(navigation image)
Home American Libraries | Canadian Libraries | Universal Library | Community Texts | Project Gutenberg | Children's Library | Biodiversity Heritage Library | Additional Collections
Search: Advanced Search
Anonymous User (login or join us)
Upload
See other formats

Full text of "Thirty Fifth Massachusetts Life Insurance Report, 1890"

State Library 



» )i 



MASSACHUSETTS. 



A. 



Return as Soon as Used. 



: r\a 



_ o 



r t 






PUBLIC DOCUMENT. No. 9. 



THIRTY-FIFTH ANNUAL REPORT 



OF Tin: 



Insurance Commissioner 



Commonwealth of" lU;iss;ic|ntsdts. 



January 1, 1890. 



PABT II. 

LIFE, CASUALTY AND ASSESSMENT INSURANCE. 



v BOSTON : 

WRIGHT & POTTER PRINTING CO., STATE PRINTERS, 
18 Post Office Square. 
1890. 



~> \£> u 



A 



TABLE OF CONTENTS. 



[For Index to Companies, see end of volume.] 



COMMISSIONER'S REPORT. 

Page 

Introductory, v 

Fixed Premium Life Insurance, v 

The Massachusetts Companies, y i 

Massachusetts Business v 

The Industrial Business, vn 

Investments and Valuations, vii 

The Affairs of the Connecticut Mutual, viii 

The Attempted Sale of the Phoenix, x 

Concerning Rebates. — The New York Life Controversy, xii 

The Statute concerning Violations of Law, xxvii 

Closing of Assessment Companies, . . xxvii 

Assessment Insurance, xxix 

The Assessment Endowment Corporations, . . . . * . . . . xxix 

Why not Standard Life Policies ? xxxiii 

Statistical Tables, Ratios, etc. (Regular Life), xxxv 

Table A. — Summary of Income, Expenditures, Assets, Liabilities, etc., xxxvi 

Table B. — Ratio of Real Estate and other Investments to Gross Assets, xxxviii 

Table C — Disbursements in Detail, xlii 

Table D. — Ratio of Expenses to Mean Amount insured, .... xlvi 

Table E. — Claims by Death in 1889, with Ratios, etc xlviii 

Table F. — Policies issued, terminated and gained in 1889, ... 1 

Table G. — Classification of Policies and Insurance in force, ... lii 

Table H. — Policies ceased in 1889, with Mode of Termination, . . liv 

Table I. — Massachusetts Business, 1889, lvi 

DETAILED STATEMENTS. 

Massachusetts Life Insurance Companies, 1-33 

Life Insurance Companies of Other States, 35-167 

Accident and Guarantee Companies', 169-198 

Massachusetts Assessment Life Insurance Companies, .... 199-212 



iv TABLE OF CONTENTS. 

Tagk 

AB8B88MENT Life INSURANCE COMPANIES of Otheh Statos, . . . 213-242 

Ma88A< HU8BTTS ASSESSMENT CASUALTY INSURANCE Companies, . . . 243-256 

Summary of the Business of Assessment Life and Casualty Companies, 2-17 

Table 1. — Assets, Income and Expenditures, 258 

Table 2. — Certificates issued, ceased and in force, with Massachu- 
setts Business, 260 

Fraternal Beneficiary Associations, 263 

Detailed Statements, 265-289 

Table 1. — Title, Location, Officers, 290 

Table 2. — Income, Expenditures, Assets, Membership, . . . 297 

ASSESSMENT Endowment Corporations, 305 

Detailed Statements, 307-327 

Table — Assets, Income, Expenditures, 328 

Lipb and Accident Companies of Other States, with Amount of Busi- 
ness done by Each, 331 

List of Agents and Sub-Agents authorized to act for Life and Accident 

Companies, 335 



Commonlioltk o( lltassarjmsrfts. 



Insurance Department, Boston, May 5, 1890. 
To (he Honorable Senate and House of Representativi s. 

Herewith is submitted, in accordance with the provisions of 
law, Part II. of the thirty-fifth annual report of this department, 
relating to life, casualty and assessment insurance. The statis- 
tical tabulation shows in comparison, and the statements fol- 
lowing in detail, the volume and character of the business 
during the year 1889, and the general standing and condition of 
the several companies transacting business in this Common- 
wealth. The report also presents the business of the assessment 
corporations, and of the fraternal beneficiary and assessment 
endowment associations. 

Fixed Premium Life Insurance. 
Progress and increase still mark the way ; and, extraordinary 
as was the record of 1888, it has been far exceeded by that of 
last year, as will be seen by the following summary of the busi- 
ness of the companies transacting business in Massachusetts : — 





1888. 


1889. 


Policies issued during the year, . 


195,648 


237,539 


Amount issued, 


$611,129,847 


$758,152,459 


Policies in force at close, .... 


980,514 


1,094,601 


Amount in force, 


$2,693,039,976 


$3,064,711,768 


Gain in number of policies, .... 


89,578 


114,087 


Gain in amount, 


$279,026,718 


$371,670,792 



vi REPORT OF THE 

These aggregates do not include the industrial business of 
the three companies engaged therein, amounting to 2,177,053 
policies, covering $238,143,052 in insurance. The mode of 
termination of policies during the year is curiously suggestive : 
49,018, covering $131,574,778 of insurance, ceased by reason 
of lapse, more than one-fifth the number issued ; 34,122 policies 
were not taken, and it would be an interesting inquiry what 
proportion of these fell into the closing weeks of the year ; only 
12,890, with insurance to the amount of $37,995,118, termi- 
nated by death ; the average ratio of deaths to the total of 
policies in force was less than in any previous year during a 
considerable period. The total number of policies terminated 
from all causes during the year was but little more than one- 
half the number issued. 

The gross income of the companies during the year was 
$164,319,983, more than twenty millions greater than in the 
previous year ; and the gross assets amount to $671,275,657, an 
increase of nearly $54,000,000 ; the surplus as regards all classes 
of policy-holders has reached $86,290,795, an increase of over 
nine millions. The disbursements of every nature reached 
si 11,563,091 ; and it is worthy of note that in this only the 
small amount of $353,246 was paid in dividends to stockholders. 

The Massachusetts Companies. 

Our five domestic companies had a year of marked prosper- 
ity ; the gain was of 5,920 in number of policies and $19,314,- 
695 in insurance, this being forty per cent, greater gain than 
during the previous year. These companies had in force at 
the end of the year 74,530 policies, covering $200,321,037 in 
insurance, not including the industrial policies, now the princi- 
pal business of the John Hancock ; during the year these com- 
panies paid $5,374,947 to policy-holders. The gross income 
was $10,631,267, and expenditures for all purposes $7,809,493. 
The surplus was $5,953,927, an increase of $298,347. The 
confidence of the people of Massachusetts in these companies 
is not misplaced. 

Massachusetts Business. 

Not including the industrial policies, there were written 
during 1889, on Massachusetts lives, 12,631 policies, covering 



INSURANCE COMMISSIONER. 



Vll 



1,857,732, both items Bhowing an increase over the previous 

ir. There wore in force at the end of the year 7o,Ol4 poli- 
cies, with insurance to the amount of $207,160,465. Of the 
new policies very nearly one-fourth were issued by the Massa- 
chusetts companies, and that proportion is more than held in 
the entire Dumber in force. During the year there was paid on 
matured Massachusetts claim- (3,518,069, of which amount 
(816,169 was by domestic compani- 



The Industrial Business. 

This branch of life insurance, to which two companies devote 
most of their attention, continues to show an increase in volume. 
The following shows the results in comparison with the previous 
year : — 





1888. 


1889. 




Foliciea. 


Amount. 


Policies. Am' 


John Hancock, . 
Metropolitan, 
Germauia, . 


25i*>,574 

1,632X42 

9,521 


$29,94: V 
17t>,533,142 
1,067,070 


320,264 136,865,419 

1,849,113 _ ,82 

8,276 r,704 


Total. . 


1,898,737 


$207,543,264 2,177.653 $238,143,062 



Investments and Valuations. 

The law relating to the character of securities in which the 
reserves of life companies should be invested went into effect 
with the close of 1889. The rule of valuation, which provides 
that all investments that make up the sinking fund shall earn at 
least 4 per cent, on market value, is being applied to the prop- 
erty schedules of each of the companies, with a view to ascer- 
taining whether sufficient assets of the character required are in 
possession. The result of the valuation in each case will be 
communicated to the company upon completion, for compari- 
son with its own estimates. 

An examination of certain properties of all the companies 
has been made, and the results show little variation from those 
of three years past. 



viii KKPORT OF THE 

The loans upon mortgages of real estate, which constitute 
the largest item of investments and nearly one-half the entire 
reserve, are found to. be almost without exception at a rate of 
interest exceeding 4 per cent. During last year the average 
rate of interest received on all the mortgages held by the com- 
panies was 5.6 per cent., being the same as realized in 1883, 
and the exact average for the intervening period. 

Loans upon company's own policies as collateral, reasonably 
within the limits of the reserve, are among the most conven- 
iently made and most secure of the assets ; but it is not a form 
of investment much approved by the companies generally, 
though it would seem that if any one is deserving of accommo- 
dation it is the policy-holders and owners of the company, 
whose money has established and built it up, and renders its 
very existence possible. Many of the companies refuse loans 
at 6 per cent, upon their own policies, the most perfect security 
possible, while they would readily accept much poorer collat- 
eral at less rate, or seek for government and other fancy bonds, 
which pay upon the investment less than half what would be 
willingly paid by those of their own household. The refusal 
is grounded upon the reasons that the interest upon the loan 
added to the premium makes the annual payment burdensome ; 
that payments therefore become slack, and default of premium 
is more apt to occur ; that the loan decreases the amount of 
benefit promised in the policy, and by so much defeats the pur- 
pose of the insurance ; that such small loans as the reserve is 
usually sufficient to protect would fill the accounts of the com- 
pany with a burden of detail more troublesome than profitable. 
Premium notes are of the same general character, and are 
objected to by the companies for the same reasons, and are 
largely disappearing from the accounts. 

Bonds of corporations are a convenient and favorite invest- 
ment, and, except in the cases of a few municipal and govern- 
ment issues, a valuation on 4 per cent, basis generally well 
approves the market values at which they are held. 

« 
The Affairs of the Connecticut Mutual. 

Insurance circles generally, and policy-holders in this com- 
pany in particular, were very much agitated during last year 
by the disclosure of a defalcation of nearly half a million of 



INSURANCE COMMISSIONER. ix 

dollars in connection with the business of its financial corre- 
spondent in Indianapolis ; reports of the company's losses were 
greatly exaggerated, public meetings of policy-holders were 
hold in various places to devise remedies or to plan revolution, 
and the public mind was inflamed to an unwonted degree. 

The company had similar financial and real estate correspond- 
ents transacting for it business in vast amounts in other large 
western cities, and the statement was then officially made 
substantially as repeated in the report for the present year 
of the insurance commissioner of Connecticut, who surely is 
not open to criticism of unfriendliness to the company, that: 
44 There being no contracts between these financial correspond- 
ents and the company, and their compensation being derived 
from the borrowers, who used them as a mere convenience in 
transmitting money to the company upon contracts requiring 
all payments to be made at Hartford only, and these corre- 
spondents having business relations with others besides itself, 
the company did not regard them as its agents, or deem that 
it had any right to an inspection of their books." 

In confirmation of this existing condition of affairs was the 
statement of the president of the company to Indiana policy- 
holders that the company made no examination whatever of the 
books of its financial agents. And, in the recent report of 
the Connecticut commissioner he says further, that, on making 
the examination : "A study of the situation made it evident 
that no absolute knowledge of the limitations of this defalcation, 
or of the possibility of a similar state of affairs existing in other 
localities, could be had short of direct communication with 
each borrower." If it was thus evident that "no knowledge 
could be had," even by the insurance commissioner, after 
" study," that equal or greater defalcations did not exist else- 
where, the policy-holders had abundant reason for being 
alarmed; and, as a considerably larger number of policies in 
the company are held by Massachusetts than by Connecticut 
citizens, this department deemed an immediate and searching 
examination into the affairs of the company to be not merely 
desirable but imperative. It was very important to the com- 
pany that this should be done by impartial but not unfriendly 
hands ; and, with full faith in the fidelity of the present com- 
missioner of Connecticut, it ,was suggested that he promptly 



x REPORT OF THE 

make such examination. The letter from this department to 
Commissioner Fyler stated that such an examination " would 

not injure the company in the least, but, on the contrary, the 
result would doubtless go far towards re-establishing public 
confidence." Commissioner Fyler replied that he "did not 
regard the situation such as to call for an immediate examina- 
tion, with an appraisal of their property," but that some 
time in "the near future" he would make an examina- 
tion, and "proceed far enough" with their valuations to 
"satisfy himself" as to "the correctness of their statement 
to the department." This seemed to fall so far short of 
the need of the existing condition of affairs, that the 
Massachusetts commissioner felt constrained to still further 
urge prompt consideration ; and finally Commissioner Fyler 
consulted the president of the company, who sagaciously 
demanded just what this department had urged, — an immediate 
and searching examination. This was had, and, precisely as 
suggested in the earlier communication from this department, 
the Indianapolis defalcation w T as found to have been quite 
accurately estimated by the company ; and despite that severe 
loss, the Connecticut Mutual was in a condition of entire 
soundness ; and, having " adopted such new methods of hand- 
ling its loans as are calculated to render impossible such another 
episode in its history," the policy-holders at once settled down 
to a sense of security. It is exceedingly gratifying to be able 
to record the deserved restoration to public confidence of this 
nstitution, with a long-established reputation for honorable 
dealing. 

The Attempted Sale of the Phcenix. 

The comments in the last report upon the affairs of the 
Phcenix Mutual Life Insurance Company of Hartford were 
abundantly justified by subsequent events. The by-laws of the 
company contained a provision that not above 6 per cent, divi- 
dends should be paid upon the stock. But the directors had 
diverted a large portion of the surplus belonging to the policy- 
holders, and by a fiction of figures created additional capital, 
upon which, again from the money of the policy-holders, they 
were annually transferring to their own pockets 24 per cent., 
instead of <*> ; and suddenly the insured awoke to find them 



INSURANCE COMMISSIONER. xi 

Belvea apparently bound hand and foot, and about to be deliv- 
ered by the edict of one man who had gained control of a 
majority of the stock, the willing purchaser perceiving in the 
assets of the company some means of reimbursing himself for 
his promised payment of ten times the par value of the stock 
he was to secure. The then statement in the report of this 
department that the dividend inflation was pretty closely allied 
to thievery apparently met with the concurrence of the com- 
missioner of Connecticut, who promptly followed with an 
official declaration that the dividends were illegal, and there- 
upon issued an order forbidding their further payment. To 
rescue the company from the hands of the would-be purchaser, 
the Legislature was compelled to interfere, enacting a law author- 
izing the policy-holders to purchase all of the stock, the same 
to be then cancelled, and the company thereafter to continue 
upon a purely mutual basis. The price authorized and after- 
wards paid for this stock was five times par, so that the holders 
were pretty well rewarded — out of the money of the policy- 
holders again — for the brief suspension, under the commis- 
sioner's order, of the enormous and illegal interest rate. Under 
the provisions of the Connecticut statute, the stock, as thus 
purchased, is to be held by the insurance commissioner as 
trustee, and voted upon by him in the election of directors 
until every share has been secured, when it is to be retired, 
and the policy-holders will assume full control of the affairs of 
the company. Unfortunately, the former president, while dis- 
posing of the entire block of stock then held by him, secured 
by purchase a few shares, which he still holds, and is seemingly 
determined to cling to. In this condition of affairs, the already 
purchased stock being by the provisions of law in the hands of 
the insurance commissioner, who votes thereon at elections, 
this official practically chooses all of the officers of the com- 
pany, and thus has the entire corporation in his control. While 
there is little danger, so long as the present incumbent is in 
office, that this power will be exercised otherwise than with 
entire honesty, the situation is an anomaly quite to be regretted 
and seemingly requiring additional legislation to correct. 



xii REPORT OF THE 



Concerning Rebates. — The New York Life Controversy. 

In later years the great competition and greed for new busi- 
ness have urged wide departures from the earlier methods of 
life insurance companies. The old forms of plain " term," 
"life" and "endowment" policies have been modified into 
almost infinite variety; the so-called "new and attractive 
features" have in large degree changed the original plans 
from insurance into investment, and the new combinations 
are frequently so complicated that only experts can know 
what the contract really is. The extraordinary efforts made 
to push and sell the business entailed expenses verging upon 
prodigality. 

One important change in methods of getting the business 
commenced with the giving off by the solicitor of a small 
portion of his commission, as an inducement to the applicant ; 
and this gradually became the general practice. In the sharp 
rivalries of the business these rebates grew more and more 
liberal, until the agents' compensation became so narrowed 
that greater and greater allowances had to be made by* the 
companies, and finally it seemed only a matter of bidding and 
dicker as to how much concession from the full price the appli- 
cant might be able to obtain, the applicant and not the com- 
pany fixing the price of the policy. In the first stages some 
of the companies allowed and encouraged this pernicious 
practice ;, in the later stages the agents dominated, and the 
companies were at their mercy. For his knowledge of the 
character of the policy, owing to the complexity of its con- 
ditions, the applicant had to rely almost wholly upon the 
representations of the agent, opening to the latter a wide 
field for ingenuity, and the audacity of his prophecies was 
proverbial. Much imposture was practised, and dissatisfaction 
and disappointment were frequent. Justice and equity among 
members were coming to be more and more disregarded. 
These conditions, to be sure, did not obtain in all the com- 
panies, but demoralization was very general. 

Life insurance had always claimed to be an exact science, 
that the premiums and costs were ciphered out to a nicety, 
and that great promptness of premium payment was vital to 
it- success. But when these loose and unbusinesslike practices, 



INSURANCE COMMISSIONER. xiii 

brought about by the rebate evil, became so apparent, the 
public began to see a great inconsistency, and to look with 
suspicion upon the companies themselves; for, in spite of their 
vast resources and the enormous aggregations of property held 
by them, there was everywhere an increasing uneasiness and 
lack of confidence in the stability and perpetuity of any system 
which was conducted in such uncertain and irregular ways. 

Almost every company, it is believed, looked upon this great 
and growing evil with regret, but all seemed powerless to 
repress or check it. Any individual company that undertook 
to withstand the pressure soon found itself out of the race, and 
all attempts at concerted action w T ere defeated by lack of good 
faith somewhere. It became more and more evident that 
nothing but legislation could reach this vicious condition of 
afiairs, and much doubt w T as expressed if even that could be 
made effective. But it was decided to make the attempt ; and, 
as this State had the blame of being the scene of its early rise 
and progress, it w T as perhaps fitting that an effort for its forci- 
ble repression should be made here, and the anti-rebate section 
proposed by Commissioner Tarbox became law. The enact- 
ment had been opposed by many of the companies, under an 
honest belief that it could not be effect ually exercised, and 
that therefore the demoralization would only become more 
aggravated. But, when the law went into effect, nearly all the 
companies and agents accepted it frankly, and set to work 
earnestly to see it carried out in its intent. Time has proved 
its value, and the results have been so favorable and grati- 
fying that the same or similar measures have been promoted 
by the companies themselves and enacted into law in many of 
the other States. And it is believed that to-day no statute is 
more faithfully and closely observed than is the anti-rebate law 
in this State. 

The Legislature, by the anti-rebate law, has said that a com- 
pany shall treat its members fairly and equitably in respect to 
premium charges, and that no favoritism or unequal indulgence 
shall be allowed among members of the same class and equal 
expectation of life. It is not intended to require the insured 
to pay a greater premium than the company would be willing 
to insure him for ; but, as the rates are supposed to be 
fixed according to the necessary costs of the business, if one 



xiv REPORT OF THE 

member is allowed to pay less than is required of another, 
whatever deficiency may occur from the lack of the first must 
unjustly he made up by withholding from the dividend of the 
other. If the regular rates are greater than found needful, 
the correction should be made by an impartial scaling down of 
the whole series, and whatever is charged one must be charged 
to all for the same article. 

It must not be lost sight of, that, if a wrong is done to a 
member of a mutual company by a discrimination against him 
either as to his premiums or dividends, it makes no difference 
in this respect whether the favored member is a citizen of this 
State or of Colorado or Germany. When a Massachusetts mem- 
ber of a mutual company is required to pay the premiums in 
full, while a member in another State is allowed a rebate of 
one-half of his, if the amount the latter pays is insufficient to 
meet the computed charges, and the deficiency has to be made 
up out of the contributions of the former, the injustice is as great 
as if they were next-door neighbors. State lines can have no 
effect upon such an inequity ; it permeates the whole body of 
the company's business, and it would be rank injustice to require 
by law that members who are citizens of this State shall pay 
their premiums in full, while those outside may be favored with 
the rebate. The anti-rebate law recognizes this, and forbids a 
company which is authorized to transact business here from 
making such unjust discrimination or favoritism anywhere. 

The New York Life Insurance Company had adopted a form 
of contract called the " Ordinary Life Distribution Policy," 
which required the first two premiums to be paid in one sum ; 
but this sum equalled only about one and one-half of any of 
the subsequent premiums, thus offering to one applicant a 
rebate of one-half of the first premium, while other ordi- 
nary life policy-holders are required to pay full rates. This, 
in the judgment of the commissioner, was a violation of the 
anti-rebate law of this State; and, in the discharge of his duty, 
on December 28 Last he notified the company to discontinue its 
use. The company demurred to this, and on February 4 
withdrew from the jurisdiction, but on March 22 reconsidered 
its net ion, and informed the commissioner of its conclusion to 
comply with his notification to withdraw and discontinue the 
objectionable policy, and also applied for readmission to the 



INSURANCE COMMISSIONER. xv 

Commonwealth. As the company had retired from the State 
upon its own motion, and as it had upon reflection concluded and 
agreed to comply with the law, there was no further issue, 
and the company was reinstated without prejudice, and is now 
_ d in the prosecution of its business as heretofore ; and no 
need of any further allusion to the matter would exist here, 
were it not that a misunderstanding has arisen from deliberate 
misconstruction and misrepresentations, that have been widely 
and industriously promoted, to blind and mi-load the policy- 
holders and the people as to the reasons for the action of the 
department. To correct this and set forth the plain facts in 
the case, a circumstantial record i- here made. 

From the first intimation of an attempt to repress the rebate 
practice, the New York Life manifested in various way- its 
hostility to restraint in this direction. While the law was in 
preparation, Commissioner Tarbox, in a spirit of oomplc 
fairness, knowing the companies were de-irous of relief from 
the unfortunate condition of the business in this respect, pre- 
pared and submitted to each company a draft of the proposed 
section, asking suggestions and criticism. Replies from nearly 
everv one were received, containing mostvaluable suggestions. 
This company, however, declined to make suggestion, replying 
that it believed in free trade in life insurance ; intimating thus 
that all laws for the protection of the people from injustice or 
imposition are an impertinence, and to be evaded without 
hesitation wherever it may be done with impunity ; and this 
belief of the position of the company has been continually 
strengthened and confirmed by subsequent events. Agents 
were sent into the State to operate, without the least attention 
to the law for their qualification ; and. when these agents were 
arrested for the offence, the conduct of the representatives of 
the compauy toward the law and the department was most 
discourteous and insolent. In respect to the anti-rebate law, 
the statement was made to the department by one direct 
from the office of the company, calling himself its manager 
of agencies, and therefore presumably representing its views, 
that his company wanted the business and was going to have 
it ; that the contracts with its agents were such that they could 
afford to rebate a part of the first premium, and, if the law 
forbade that, the company was smart enough to devise a policy 
that would evade it. 



xvi REPORT OF THE 

Early in 1889 it was rumored that the company was prepar- 
ing a policy which would evade the anti-rebate law of Massa- 
chusetts. It did not come officially or otherwise to the notice 
of the department, but allusions in the journals continued, and 
it was plainly intimated that so palpably did the policy violate 
the Massachusetts law that whenever it came to the attention of 
the department it would undoubtedly receive objection. The 
Massachusetts department has specimen files of all the forms of 
policies issued by the various companies during the past thirty 
years, and it is the understanding that it is to be furnished with 
copies of all new forms. It would naturally be supposed that, 
if the company was innocent of intention to violate the law, it 
would have sent forward a specimen of the policy, or in some 
way communicated with the commissioner in respect to it. 
But no word of any kind ever came ; on the contrary, the 
company says the use of this policy was purposely withheld 
from Massachusetts, and it was only when the descriptive list 
of the policies issued in the first half of the year 1889, which 
is required to be filed, came to the department, that the com- 
missioner became officially aware of the existence of such 
policies ; then, but not till after request by the commissioner, 
a copy of this policy was forwarded, and, after second request, 
the formula was furnished. And the policy thus obtained 
occasioned no surprise, and was recognized as the issue that 
had been foreshadowed and threatened. 

This purpose to deliberately violate the law, as also knowl- 
edge of the previously pronounced defiance of the Common- 
wealth by his representatives, has been disavowed by the 
president of the company ; the sincerity of this denial can be 
measured by the degree of good faith with which the company 
has since maintained its voluntary official statement in the 
letter hereafter given, that it desired to " harmonize the recent 
controversy and return to Massachusetts upon satisfactory 
relations " with the department. 

In considering the illegality of the policy in question, it was 
necessary first to observe precisely what the State undertakes 
to do in rejmlatin^ the business of life insurance. The State 
does not any further attempt to regulate the business in its 
commercial aspects than to say that all the members of the 
company shall be treated equitably in respect to actual pre- 



INSURANCE COMMISSIONER. xvii 

niium charges and dividend distributions, and that the funds 
to protect the insurance contracts shall be held in safe and 
proper securities. It gives no attention to matters of expenses 
and contingencies, leaving the provision for these to the pru- 
dence of the management and the competition of the business. 
All matters relating to surplus also are left out of the consid- 
eration, since the law does not contemplate its possibility under 
the insurance contract, the net premium being assumed to be 
neither more nor less than sufficient for the purpose of the 
insurance. And no stipulations or provisions of the contract 
which depend upon accidental resources for fulfilment are recog- 
nized as proper or lawful. It also forbids a company to trans- 
act its business on the plans of the assessment companies. 

But, by setting up the standard of net premiums and net 
values, the State assumes to establish the minimum charge 
which the insured must pay and the company receive, in order 
to enable it undoubtedly to protect the insurance contract to its 
maturity. The standard adopted is the Actuaries' Table of 
mortality, with four per cent, compound interest. 

Thus, in terms, the State says that if the company conforms 
its net premiums and reserves to this standard, its contracts 
can be safely carried out, and it is, therefore, solvent so far as 
the net theory of the insurance is concerned. In making up 
the policy liability of a company, therefore, the department has 
only to deal with net premiums and net values computed in 
accordance with the State standard. As the policy under 
criticism was claimed to be an ordinary life policy, this fact 
confines the discussion within narrow limits. 

An ordinary life policy, in view of the law, is one which 
promises a fixed sum at the end of the year in which the insured 
life may fail, and the consideration therefor is the payment to 
the company of equal net annual premiums during the continu- 
ance of the contract ; the needs of each year for cost of insur- 
ance and reserve are measured by the lawful premium then 
required to be paid, and in such a policy by its very intention 
the premiums must be equal in amount and paid fully and 
promptly at the beginning of each year, — nothing else is an 
ordinary life policy. 

The principle of " assessment insurance" is the calling and 
collection of the sum needed after the need arises. If a com- 



xviii REPORT OF THE 

pany, therefore, should neglect to collect the full net annual 
premium on an ordinary life policy when due, and as a compen- 
sation spread the amount of the deficiency over the subsequent 
premiums, it by so much allows the needs of that particular 
year to rest on credit and to be met by a burden upon the sub- 
sequent years, in the plain fashion of the assessment companies. 
In an ordinary life policy each one of the net premiums must 
provide for its share of the " cost of insurance " upon its amount 
at risk and for its proper reserve at the end of the year ; both 
these are absolutely fixed sums, as computed by the State 
standard The first is the contribution of the policy for the 
payment of death claims of the year other than its own, and is 
carried to the "cost of insurance" fund for that year; the 
second is the " self-insurance" fund, and is the amount which 
the policy is accumulating towards paying its own claim when 
it matures, and is carried to its credit, in the " self-insurance" 
or "reserve" fund. The mortality table assumes the precise 
number of lives that will fail during any year and at each 
age, and the " cost of insurance" fund is computed to exactly 
provide for the payment of the insurance part of each policy 
which may become a claim during the year. Now, in theory, 
when death occurs, the process of paying the policy is this : 
first, the tabular reserve to the credit of the policy is taken 
from the reserve fund; and, second, the " cost of insurance" 
fund furnishes the already computed amount which, added to 
the "reserve," will exactly make up the face of the claim. For 
instance, an ordinary life policy, issued at age thirty-rive 
for $10,000, the life failing during the second year, and the 
policy payable at the second anniversary, — the reserve on this 
policy is $233.33, and the amount to its credit in the " cost of 
insurance" fund is $9,766.67, and together the two exactly 
cover the claim. Suppose, however, from any cause there has 
been failure to provide this necessary tabular reserve on an ordi- 
nary life policy, or it has been plundered or rebated away until 
the amount left is only $167.90 instead of the proper $233.33 ; 
we shall then find that this remnant of reserve, added to the 
(9,766.67 " cost of insurance" credit, will fail to make good 
the face of the policy by $65.43. These being the only 
resources provided by the net theory for the payment of the 
claim, there remains either the dishonoring of the obligation by 



INSURANCE COMMISSIONER. xix 

the company, and bankruptcy, or else a resort to "assessment 
upon the survivors" There is no refuge from one or the other 
alternative under the net theory of the business. If it is 
objected that this insured pays the cost of insurance upon the 
full amount at risk during the year when his reserve is in 
default, and is therefore entitled to a greater benefit than the 
tabular 4< cost of insurance " fund places to the credit of an ordi- 
nary life policy, it must be said that the other ordinary life- 
policies cannot be called upon, and arc not, to contribute to the 
needs of that year a greater sum than the tabular costs of 
insurance due to that year from ordinary life policies ; and 
therefore the excess of cost of insurance he has contributed has 
gone for naught to his benefit. Thus the fatal plundering of 
his reserve has destroyed the possibility of lawful payment of 
the full claim. 

The rebate of a premium is the abatement or reduction or 
giving oil 1 of something from the amount normally to be paid ; 
and, even if the portion left oil' is conditioned to be made up 
to the company by additions to subsequent premiums, it does 
not evade the fact that this premium 1<<js been rebated. If the 
annual premiums on an ordinary life policy are $30 each, and 
the company oilers or consents to accept $20 in full satisfaction 
of any one of them, such premium payment is diminished, 
lessened, abated, rebated $10 ; and, so far as this particular 
premium is concerned, it makes no difference whether the $10 
is forgiven outright, or whether the company expects to recoup 
by equivalent overcharge upon subsequent transactions, — the 
rebate of the first premium stands by itself an accomplished fact . 
And if by such rebate the ability of the reserve to protect its 
portion of the insurance contract is impaired, as in case of the 
policy becoming a claim before the full recovery of the rebated 
sum, the mischief is irretrievable and fatal. 

When the policy in question was forwarded to the depart- 
ment upon request by the commissioner, there appeared 
nothing on its face inconsistent with an ordinary life policy ; it 
was described in the descriptive list of policies furnished to the 
department not otherwise than is usual in ordinary life poli- 
cies (except in the size of gross premium), and the legend on 
the margin of the blank form confirmed the impression that it 
was intended to be considered as an ordinary life policy. The 



xx REPORT OF THE 

formula, however, by which it was proposed that the premiums 
and reserves should be computed, was found to be wholly 
inapplicable to an " ordinary life policy," being for a "term" 
insurance, with a variable " endowment" at its end. The only 
use, therefore, which the formula could serve was to show how 
the company intended to scale the premium series, and it was 
in this way : the first two premiums were to be paid in ad- 
vance in one sum, and this sum should be only about three- 
quarters the sum of any two of the subsequent premiums. 
Herein consisted the rebate, which was not allowed to other 
ordinary life policies, and thus offended the law against dis- 
criminations among policy-holders of the same class, besides 
defrauding the reserve, and making it impossible, as above 
described, for the company, from the net premiums received, 
to perform its insurance obligation, resulting in constructive 
bankruptcy, or resort to the forbidden assessment plan. 
Among the options endorsed on the back, the policy also, in its 
promise of surrender value at the end of a given time, stipu- 
lated a larger sum than the basis of net premiums and reserves 
of an ordinary life policy would justify ; and the inevitable 
consequence is a claim at the end of the period in excess of 
what the net assumption can satisfy. There is, therefore, 
another dilemma, the alternatives of which are, as before, a 
defaulted obligation, or " assessment upon the survivors." 

Every circumstance in this case justified the commissioner 
in believing that the company knew this policy was an insidious 
evasion of, and therefore in fact a deliberate violation of, a law 
of this Commonwealth ; that it was made for that identical pur- 
pose, and, as far as this department has knowledge, this view is 
held in common by every life insurance agent, manager or 
officer except those interested in this company. Having no 
doubt as to the company's full knowledge and intention in the 
matter, the duty of the commissioner as a sworn officer of the 
Commonwealth was defined in the statutes. There was no 
avoidance of duty, there was no hasty action. For weeks the 
policy was under examination. Its every feature was exam- 
ined and re-examined and brought to actuarial test, where such 
applied ; and, when thoroughly convinced of the absolute ille- 
gality of the policy, before taking action it was referred to the 
law department of the State, and after a patient and thorough 



INSURANCE COMMISSIONER. xxi 

examination, lasting several days, by the attorney-general and 
his assistants, the judgment of the commissioner and his inter- 
pretation of the law were sustained at every point ; and then 
and not till then did he notify the company that the law of the 
Commonwealth would not permit the use of such policy, if it 
was to do business in Massachusetts. The language of the 
notification was plain and explicit, and such as the occasion 
would justify in the mind of every honest citizen of this Com- 
monwealth who believes its laws are wise ones, and deems 
himself dishonored when the enacted voice of its people is 
contemptuously defied and set at naught. 

The following is the notice of the commissioner to the 
company : — 

COMMONWEALTH OF MASSACHUSETTS, 

Insurance Department, Boston, Dec. 28, 1889. 

Wm. II. Beers, Esq., PresicU nf New Fork TAf< Tnsurana Company, New York. 

Deak Sik : — The General Court of this Commonwealth in 1887 
enacted a law forbidding life insurance companies from making 
unfair discriminations among their members, and requiring that the 
insurance should be upon sound and recognized principles. The law 
was intended in good faith to secure to all the members of a company 
just and equitable treatment in respect to the amount of premiums 
paid, as well as that the insurance should be of a fair and reliable 
quality. 

This statute is believed to have been accepted generally by the 
companies and agents in like good faith, and with the intention to 
abide by the spirit of its provisions ; but recently there has come to 
the notice of this department a form of policy of your company, called 
the " Ordinary Life Distribution Policy." Careful examination of 
this policy shows it to be not only wholly inconsistent with the spirit 
of the statute, but contrary to its language, while its provisions and 
terms render it unfair, misleading, deceptive and ensnaring. Under 
its terms, and in the practice of the company, a discrimination is 
made among insurants of the same class, and the insurance is provided 
in a manner not permitted by the law. Besides being unlawful, the 
terms and conditions attached render it, to an inexpert applicant, 
exceedingly complicated, and liable to misunderstanding and decep- 
tion. There is no possible advantage in its intricacies to compensate 
for the confusion and liability to error and disappointment of the 
insured ; and the only apparent or conceivable reason for the manner 
of constructing the premium is to enable the company to circumvent 
or evade the law and continue the forbidden rebate practice. 



xxii REPORT OF THE 

There are two distinctive theories under which provision may be 
made for the payment of maturing life insurance policies in compli- 
ance with the laws of this Commonwealth : one requires the collection 
of adequai niums in advance^ the other depends upon voluntary 

contributions after the claim matures, — insurance for cash in advance, 
and insurance upon credit without security. The two theories are 
inconsistent and irreconcilable, and a company employing the one is 
forbidden by the law from operating the other. For the former a 
axed and definite standard of solvency and stability has been set up 
and expressed in terms of money values, for the latter this is not 
possible ; having nothing in hand, it depends wholly upon the confi- 
dence and good faith of its clients to protect its commercial character. 

In a policy the premium for which is required in advance, the com- 
pany may always protect itself and furnish no insurance which has 
not been paid for, because, as the premium is the consideration for 
which the benefit is to accrue, failure to pay a premium voids the 
obligation of the company, and lapses the insurance before any costs 
shall have been incurred on its account ; while, if the insurance shall 
be furnished in advance and on credit, the costs having already been 
incurred, failure then to receive the assessment leaves the company 
without remedy, and destroys its functions as an insurance company. 
On the one side is conservatism and stability, on the other specula- 
tion and uncertainty, and the two theories are represented respectively 
by so-called old-line and assessment companies. The two systems 
are world-wide apart and wholly inconsistent. 

There is no end to the variety of plans of insurance which may be 
devised ; but the distinction which separates that which is real and 
permanent from that which is speculative and contingent is always 
plain : on one side, an adequate advance premium for the benefit to 
be had ; on the other side, hope. And any scheme which seeks to 
replace any portion of the former by a piece of the latter is sophisti- 
cal and inadmissible in old-line insurance, and the law explicitly for- 
bids an old-line insurance company from making any contract the 
performance of ivhich is conditioned upon the methods of the assess- 
ment companies. 

Plans commingling these contradictory elements have occasionally 
appeared among some of the " new and attractive features " proposed 
by the old-line companies, but never to that extent to make their 
effect appreciable upon the aggregate of any company's business, and 
therefore attract notice or special protest; they have almost invaria- 
bly fallen into disuse, and disappeared like a child's toy when the 
novelty wears oil'. Now, however, a scheme of this sort is revived, 
and, if carried on to the extent proposed, threatens to affect injuri- 
ously the business of life insurance in general. Allusion is here 



[NSURANCE COMMISSIONER. xxiii 

made to the device of rebating a Large part of the second annual pre- 
mium of a Level premium contract, and spreading the deficiency thus 

over the whole future of th ;, and incorporating in the 

at insidious form the credit system of assessmentism, by furnishing 
tiiat portion of the insurance credit and hope : burdening the 

whole future for something that has already been had and enjoyed; 
abandoning by bo much the advance premium theory, and replacing 
it with the plan of tin- co-operatives, always heretofore regarded and 
declared by the old-line companies vicious, inconsistent and incom- 
patible with sound principles of life insurance : distinctly violating 
the law, and defrauding the reserve which should insure the ability of 
the company to protect its contracts to maturity. The principle is 
wholly indefensible and dang . and, if once admitted, may, in the 

fierce competition, be aggravated and carried to the extent of utterly 
debauching the whole life insurance business. 

It is perhaps not seriously intended that by these rebated premiums 
much extra benefit shall actually accrue to the holder of this policy, 
or that if held to maturity there will be actually due and payable 
therefor much less in aggregate amount of premiums than under the 
straightforward plan ; but the applicant is made to believe that he is 
to be the gainer by so much, and the company gets an undue and 
unmerited present advantage in the competition for business. More- 
over, the company expects by this juggle with the premium to secure 
an important concession from the reserve charge which would be due 
to the ordinary plan in the early years of the policy. 

If it is claimed that this plan is supported by technically logical and 
correct formulas derived from the commutation columns which are in 
universal use for calculations in life insurance, it is agreed ; but if it 
is claimed that therefore they are safe and proper plans on which to 
base important money transactions in the practical business, it is not 
agreed. These columns, while of inestimable convenience, are also 
capable of miracles of absurdity. For instance, by them a formula 
may be constructed which shall provide that a man at age thirty may 
purchase present insurance upon his life for a term of five years, the 
premiums for which are not to be paid until he reaches age eighty, 
and then in equal yearly parts during the rest of life. This formula 
is derived just as logically and is just as unassailable technically as 
the other, yet probably no one would say that it was a safe business 
plan for a company to entertain. 

If the law means anything, it intends that the business shall be 
carried on upon safe business principles, and that adequate premiums 
and reserves shall be maintained at all times. And it is clear that 
this scheme in its general outline and intent is such a departure from 
the established principles of advance payment or old-line life insurance 



xxiv EEPORT OF THE 

as to justify under the law the restraint of its prosecution by any 
company authorized to operate within the Commonwealth. 

Another objection to the issue of this policy is, that it violates the 
statute which forbids rebates and discriminations among policy- 
holders of the same class. The term " insurants of the same class," 
properly construed, signifies one of the natural divisions of the policies 
of a company, as indicated by the general intention of the contract. 
All those which are to mature at the end of life belong to the life- 
insurance class ; those maturing by distance of time are of the 
endowment class ; those becoming payable if death occurs within a 
limited number of years are the term insurance class ; and those in 
which a fixed sum is payable annually to the policy-holder are of the 
annuity class. This is the common and popular acceptation of the 
word. For their own office purposes and convenience the companies 
are accustomed to subdivide these classes with reference to the man- 
ner in which premium payments are made. Thus, the life policies 
would be called " ordinary life " if the level annual premium is pay- 
able throughout lifetime ; " paid-up or single premium life," " five- 
payment life," "ten-payment life," "twenty-payment life," etc., 
according to term of payment of premium. The endowments are 
subdivided similarly in respect to payment of premiums and other 
distinctions relating to the endowment period. And this also may 
be said to be an admissible application of the word " class" in life 
insurance for certain proper purposes. 

But it surely is not admissible that a company, for the apparent 
and only purpose of evading the law, may arbitrarily subdivide its 
policies into so-called classes. If this is allowed, it would render 
any application of the law impossible, for it then might be assumed 
that all policies of whatever terms issued on a given day, or for a 
particular amount, or those issued to red-headed men, or any other 
whimsical association, constituted distinct classes. Because for its 
own office purposes a company may separate its policies into such 
subdivisions as suits its convenience, it can not therefore be assumed 
that the word " class" in the law may mean anything the company 
wishes it to mean, "and an arbitrary classification be made for the only 
and undenied purpose of escaping a law which would otherwise 
undoubtedly operate in restraint. But this is apparently what has 
been done in the present case. The face of the contract is an ordinary 
life policy, to be paid for by equal annual premiums until death, and 
varies in no respect from other policies of its class, except in a rebate 
from the first or second premium. There are some incidental con- 
ditions on the back of the policy relating to mortuary dividends and 
applications of a guaranteed surrender value, but not of a nature to 
change the character of the contract, and are only such as are usual 
in other policies issued by this and other companies. 



INSURANCE COMMISSIONER. xxv 

The formula which the company presents, and from which it com- 
putes the premiums and reserves, is inconsistent with and discredits 
the terms of the policy itself ; besides, it complicates and makes 
delusive without actually giving the pretended advantages. The 
pretence held out to the policy-holder that twent} T -five per cent, 
of his first two premiums is to be forgiven or denoted to him is by 
the formula shown to be untrue, for instead it is charged up and 
added to all his future premiums. The surrender value held out to 
him in the light of profit, and also the mortuary dividend, are both 
charged for in this premium formula. The promise in the policy that 
this is a whole life contract is denied by the formula, which provides 
that the insurance ceases at the end of a term of years. 

If the issue of these policies is allowed to continue, not alone will 
the particular company which adopts it suffer in character and in the 
quality of its business, but all the other companies will be compelled 
to struggle losingly under an unjust competition, or adopt similar 
and injurious schemes, to the general demoralization and loss to the 
whole life insurance interest. 

It cannot be assumed that the Legislature deliberately enacted a 
statute for the repression of a practice universally admitted to be 
unjust, vicious and dangerous, and then expected the commissioner 
to be deterred from its execution by a diaphanous quibble, set up for 
the sole purpose of stulifying the law and nullifying its requirements. 
You are therefore notified to discontinue and refrain from the issue 
of this policy, or any with similar characteristics, while your company 
is authorized to transact business in this Commonwealth. 

Respectfully yours, 

George S. Merrill, 

Insurance Commissioner. 

Note. — As it is not impossible that other companies may have 
been impelled to consider similar questionable expedients, in order to 
meet the competition of this policy, this letter is made open for their 
information and guidance. 

The company demurred to the requirement of the commis- 
sioner, and through its counsel gave notice of its withdrawal 
from the Commonwealth. At the same time it petitioned the 
Legislature for the enactment of a statute specifically permitting 
foreign corporations to make appeal from decisions of the com- 
missioner to the supreme court, and including a retroactive 
clause covering consideration of the questions herein involved. 



xxv i REPORT OF THE 

In the hearing before the legislative committee, had upon the 
petitioD of the company, the testimony on its behalf of course 
was intended to show the legality and innocence of the policy, 
and the propriety of the action of the company in its use. But, 
before any testimony as to the reasons which actuated the 
department in forbidding the policy was reached, a request for 
a suspension of the hearing was made by the company, looking 
to a settlement of the matter without the aid of the Legislature. 
The result of conference between the commissioner and the 
president and counsel of the company was an agreement of 
compliance on the part of the company with the notification 
of the commissioner for the withdrawal and abandonment of 
the objectionable policy, as set forth in the following letter 
of counsel, written in the presence of the president, and with 
his full assent : — 

Boston, Mass., March 22, 1890. 
Hon. Geo. S. Merrill, Insurance Commissioner. 

Dear Sir: — The New York Life Insurance Company, desiring to 
harmonize the recent controversy and to return to Massachusetts upon 
satisfactory relations with your department, proposes to discontinue 
the issue of its present form of policy, which has been designated as 
the ''Ordinary Life Distribution Policy," and to discontinue its pres- 
ent application for legislation. 

Very truly yours, 

John D. Long, 
A. E. Pillsbury, 

of Counsel. 

It was further stated by the president that the new policy to 
take the place of the one thus withdrawn should be submitted 
to the commissioner before it was put in use, and should be 
made satisfactory to the law of this State. This has been done, 
in entire compliance with the president's promise. The rebate 
clement and the objectionable misleading features arc wholly 
removed from the face of the policy, which plainly describes 
itself as a "Combination Term and Life," which it really is, 
being a simple term policy at single premium for the first two 
years, and plain life thereafter, instead of " Ordinary Life," 
which the former described itself as, but was not. 

And to the credit of the company it should be said that, as a 



INSURANCE COMMISSIONER, xxvii 

proof of its entire sincerity in promising the complete with- 
drawal of the objectionable features, it has widely and promi- 
nently published the two tonus side by side, so that the 
changes can be plainly seen and appreciated by those who 
understand the tonus of life-insurance contracts. The changes 
of words necessitated to effect the entire change of character 
of the policy were only a few, hut these few were sufficient 
and effective. 

The Statute concerning Violations of Law. 
Upon giving notice of its withdrawal from Massachusetts, 
the Xew York Life memorialized the Legislature, claimingthat 
under tin 1 existing statute a foreign insurance company trans- 
acting business here possessed no right of appeal from a deci- 
sion of the insurance commissioner to the supreme judicial 
court, and asking for the enactment of a law remedying this 
alleged defect. The commissioner was not and is not of the 
belief that the present statute debars such appeal, and in this 
opinion the law department of the Commonwealth concurred; 
but he stated to the committee that if any such defect existed, 
the law Ought, in his judgment, to be at once so amended as to 
make such a provision clear and explicit. Thereupon and 
following the notification by the Xew York Life of the with- 
drawal of its application for such legislation, the insurance 
committee reported a bill, which after material amendment to 
permit summary action by the commissioner in case of delay 
in the presentation by a company of its petition to the court, 
or of appeal from an adverse decision, is now under considera- 
tion. It protects the rights of foreign companies, while leaving 
in the hands of the department ample power to correct abuses. 

Closing of Assessment Companies. 

In the matter of the Massachusetts Safety Fund Association, 
enjoined in 1885, the receiver, Charles Robinson, submitted to 
the supreme court on Nov. 7, 1889, a report showing funds in 
his hands to the amount of $20,507.90, of which $19,897.22 
belonged to the safety fund, so called ; the receiver presented 
for allowance, including his own fees as receiver and master, 
bills to the amount of $4,313.51. Claims against the safety 
fund to the amount of $10,888.92 had been presented and 



xxviii REPORT OF THE 

allowed, and since have mostly been paid, the claimants receiv- 
ing considerably more than their contributions to the fund. 
At the date of the report the addresses had not been found of 
certificate holders who contributed $2,020 to the safety fund. 

On May 27 the supreme court rendered a decision in the 
case of the Massachusetts Standard Benefit Company, severely 
criticising its management, which was commented upon in the 
Lasl report. George L. Huntress was appointed receiver; the 
assets were insignificant, and a number of claims have been 
proven upon which only a small dividend can be paid, perhaps 
20 per cent. 

In the matter of the Massachusetts Relief Association, 
enjoined Oct. 16, 1888, the receiver, Homer Albers, made his 
final report to the supreme judicial court Sept. 5, 1889. A 
dividend of 6 per cent, was paid upon allow r ed claims. 

In relation to the affairs of the Provident Mutual Association 
and of the Provident Fraternity, the final report of the 
receiver, Mr. Albers, was filed on the above date, stating that 
in each case he had been able to find no funds. 

The receiver of the Equitable Mutual Relief Society, Geo. 
M. Stearns, submitted to the court a partial report, Nov. 6, 
1889, showing cash funds to the amount of $7,575, with a 
large list of claims not then fully determined. 

On the 27th of February, Eugene H. Moore, receiver of the 
United States Mutual Accident Relief Company, submitted a 
report showing cash funds of $3,058.72, less expense payments 
of $391.25; a considerable number of claims were in process 
of adjudication. 

An examination was made Oct. 26, 1889, of the Boston 
Fraternal Accident Association, Henry A. Bates, secretary and 
manager; and, upon the condition of affairs found to exist, an 
injunction was issued by the supreme court November 8, and 
James E. Leach was appointed receiver. The latter reports 
that the only assets which have come into his hands amount to 
$125, received from sale of furniture. The commissioner has 
called the attention of the receiver to the sworn statement of the 
officers of this corporation, made to this department in March, 
L888, that the sum of s">()0 had been collected as required by 
law tor an emergency fund, and was held in trust to be depos- 
ited with the State treasurer; it was not so deposited, was not 



INSURANCE COMMISSIONER. xxix 

in the hands of the officers when the receiver was appointed, 
and that officer has asked instructions from the court as to 
bringing an action for its recovery. 

Od the 12th of February of this year the members of the 
New England Mutual Aid Society of Boston voted to accept a 
proposition to transfer their certificates to the National Life 
and Maturity Association of Washington, D. C. This has been 
pretty generally completed, and the business of the former 
corporation will be closed as soon as the outstanding claims 
are adjusted, for the payment of which in full it is thought 
there are sufficient funds. 

Assess m km Insurance. 

The growth of the mushroom endowment corporations, with 
their extravagant promises, has had the predicted effect of 
retarding the progress of assessment insurance where death or 
disability benefit- are alone provided ; the larger business cor- 
porations have more than held their own, increasing the mem- 
bership and adding to the amount of their emergency fund, but 
the evident tendency is to the absorption of the smaller into the 
stronger companies. AVith the large increase in the emer- 
gency fund arises the question as to its ultimate disposition. 
Under existing provisions of law, it is required to be held as a 
trust for beneticiaries of deceased members ; the statute should 
be amended to permit the use of the income of this fund and 
perhaps a portion of the fund itself to a specified limit, for the 
reduction in cost of insurance, or by some other method making 
to the certificate holder an equitable return for his contribu- 
tions to the said fund. The experience of six years has also 
shown other amendments which might be advantageously made 
in the statute. The cause first mentioned has at the same time 
brought the fraternal associations practically to a standstill, 
and they will but slowly recover from the blow dealt them in 
the wild-cat flurry of the past eighteen months. 

The Assessment Endowment Corporations. 

The beginning of the end is in sight ; the speculative tide 
which was stimulated by the unfortunate statute of two years 
ago swept over the Commonwealth in a fantastic flood during 
the past year, and there have been organized to the present 



xxx REPORT OF THE 

time forty-six corporations, promising, upon the contribution 
of a comparatively insignificant amount in assessments, the 
payment, at the end of a term varying from one to ten years, 
of a large endowment. Nine of these had done little or no 
business up to the close of the last year, and seventeen are the 
growth of the present year; the remaining twenty, with the 
two foreign companies of like character whose operations here 
were permitted and legalized by the statute, had, at the close 
of December, an aggregate membership of 80,245, with a total 
liability upon their certificates of $59,534,640. The total cash 
assets at that date of the twenty home companies amounted to 
$59,818, and the reserve funds aggregate $29,648 ; six of the cor- 
porations, however, have a net indebtedness of $6,436, leaving a 
net reserve fund for the entire twenty corporations of $23,212, or 
an average of SI. 20 for each then existing member towards the 
realization of the $100 or $500 or $1,000, as promised. No 
sooner had the Legislature convened, than the promoters of 
these schemes came with petitions to be permitted to assess 
and hold an unlimited reserve fund, openly confessing the utter 
impossibility of carrying their plans to a successful completion 
under the 20 per cent, reserve limit claimed to be ample when 
the law was passed, and under which they had been organized ; 
the average age of these twenty corporations was less than six 
months when this plea of inability to live under the law was 
entered. Legislation is now pending in relation to this matter, 
and with it has wisely been coupled carefully guarded restric- 
tions as to the deposit' of all reserve funds in the State treasury, 
which will at least hereafter prevent the looting of the cash by 
irresponsible officers. The experience of two brief years has 
so abundantly justified the earnest but ineffectual protest of 
this department, that the door then opened so widely to these 
concerns is now being closed and barred by legislative enact- 
ment forbidding the organization of any more corporations of 
this character to play upon the credulity of the public. 

[Tow the promises of these corporations are to be realized, 
no one of their promoters has undertaken mathematically to 
demonstrate. As this is purely a question of finances, of the 
proportion of assets, present and prospective, to liabilties, the 
plan, if one existed, would seem to be easily capable of explana- 
tion, but nowhere in the literature of these corporations has this 



INSURANCE COMMISSIONER. xxxi 

been attempted ; paragraphs are published, claiming that, because 
some other association, organized on an entirely different basis 
to meet death claims only, has succeeded in meeting its liabil- 
ities at a certain cost, therefore endowments can surely be paid 
to all living members at a comparatively moderate expense. 
But there is scorn and contempt for the multiplication table, or 
any of the known rules which have heretofore made financial 
transactions easy of computation. Unless the managers of 
these corporations have finally acquired the long-sought power 
of alchemy, or discovered some wizard's art unknown to busi- 
ness transactions in all the world's history, they will require 
just one hundred cents to make good each dollar promised in 
their certificates. What other method of payment than by 
actual assessment do they possess ? First, the transfer to the 
fund for persisting members of amounts paid by those who, 
remaining a short time, fall out by the way, and forfeit the 
amount they have paid ; second, the financial power of a con- 
tinual multiplication of .membership. 

As to the first, Massachusetts thirty years ago by statute 
declared the principle vicious, and made it unlawful in all plans 
of regular life insurance ; the Commonwealth said that the 
accretions from lapses should not be confiscated to those more 
fortunate ones who were able to keep up their payments, and 
that, in all Massachusetts level premium life insurance compa- 
nies, should a policy-holder lapse in- payments practically 
the amount he had contributed beyond actual insurance and 
expense cost should inure to the benefit of the contributor, and 
not be diverted to the pockets of others. That in the trans- 
actions of the assessment endowment corporations the statute 
has legalized the reverse of this practice, does not in the least 
affect its morality and honesty. But the statistics that can be 
gleaned from the brief history of the older of these corpora- 
tions show how delusive is even this prospect for large reserve 
accumulations ; the members who drop out do so almost alto- 
gether in the early months of their membership, when they 
have made but limited payments ; those who persist until the 
middle of the term are pretty certain to hold on till the end, in 
the hope of realizing the large bonus promised. 

The second means, the multiplication of membership, is 
simply a sort of perpetual-motion myth ; true, if but a small 



xxxii REPORT OF THE 

Dumber should join one of these organizations during the first 
year, and the membership should be thereafter swollen so as to 
aggregate at the beginning of the first year of payment thirty 
or fifty times the number whose certificates mature, payment 
to these could easily be made, but only by the use of funds 
contributed by these later members towards their own certifi- 
cate payment. How long can this repeating process go on? 
There must at some time be an end to the many-fold increase 
absolutely demanded by this sort of progressive game, in 
which the faster the present aggregation the more speedy the 
culmination. What sort of morals or honesty is involved in 
this phase of the payment problem? 

The plans of these corporations certainly do not lack vari- 
ety ; the larger number promise $1,000 at the end of seven 
years ; one issues certificates for the same amount, but ex- 
tends the period of payment to ten years ; eight hold out the 
offer of $500 in five years ; one promises double that sum at 
the end of the same term ; one thinks .five years necessary in 
which to pay $200, and one pledges $100 at the end of twelve 
months, and this upon the virtual promise of not more than 
twelve assessments of two dollars each, and with charming 
naivete adding the statement that whatever balance there is left 
after paying $100 endowments from $24 in assessments "will 
be carried to the reserve fund." The name of this association, 
" The Royal Ark," was surely not chosen from the fact that, 
like its great prototype, only a few will be taken in. 

Yet another has just been incubated, which leads the proces- 
sion with a scheme to pay one hundred dollars to each certificate 
holder at the expiration of six months. The promise of spot 
cash, three dollars paid back when one dollar is deposited, is 
about the only plan remaining unimproved. 

The wild-cat character of numbers of the corporations already 
organized under this statute is illustrated by the most casual 
glance at the annual statements made under provision of law to 
this department. One which sails under the alluring motto of 
"Friendship, Protection and Industry," had at the close of last 
year, as the results of five and one-half months' business, $919 
in its reserve fund and 1 1,281 in other funds; it had expended 
the sum of $375 in benefits and $14,212 in expenses, of which 
latter sum the officers, organizers and other persons officially 



INSURANCE COMMISSIONER. xxxiii 

connected with the association had received $8,769. Yet 

another, sailing under the legend of " Fidelity, Equity and 
S <-urity." had in two and a half months acquired a membership 
of 118 : it had paid for expenses $1,593, and had an indebted- 
nes 2,948 ; of this expenditure, $738 was for salaries of offi- 

cers and si . 7 .*) : i was due on same account, making a salary cost of 
1 and a total expense of $29 for each member secured. The 
annual salary roll, established, it is needless to add, by the 
officers themselves, of this corporation with 118 members, is 
$12,800. It would appear that, in these instances at least, the 
legends upon the banners, of " Industry ,? and " Fidelity," had 
at all events been conscientiously applied by the officials to 
their individual interest-. 

Why xot Standakd Life Policies? 
Healthy competition is an incentive to growth and prosperity, 
but danger comes when this degenerates into a mad race for 
leadership, a struggle merely for record breaking. Life insur- 
ance has reached so high a plane, poss the confidence 
of the world in such a degree, that it needs not and is only 
belittled by the adoption of catch-penny devices, gift enter- 
prises or chromos. It has become established upon a well- 
defined, mathematical basis of security ; and, however the 
promises may differ, the plans and possibilities of the various 
leading companies are substantially the same, returns to the 
policy-holder varying in degree according to the enterprise, 
capacity and prudence in management of the business, and the 
security and profitableness of investments. Probably a very 
small proportion of existing policy-holders have ever carefully 
read the certificates they hold, and, with the confusion in text 
and terms in many of the policies, it is doubtful if even so 
large a per centum of those who have attempted to inform 
themselves possess a fair knowledge of the precise conditions 
of their contract. Why should it be necessary to continually 
multiply forms and conditions of policies? Their name is 
already legion, fitting apparently every condition and desire of 
humauity. In relation to contracts of lire insurance, where 
the determination comes generally within the lifetime of the 
parties thereto, where both insurer and insured can if neces- 
sary be called upon to give their testimony in case of contro- 



xxxiv KEPORT OF THE INS. COMMISSIONER. 

versy, — in this, Massachusetts long ago, which example 
Other Stairs have followed, established by statute a standard 
form of policy ; this is published as a part of the insurance 
Laws, and every one desirinir insurance can at his leisure study 
its terms and know fully what the contract is. In a matter of 
so much more moment, in insurance upon a life, where the 
contract only eventuates with the death of one of the parties 
thereto, why should there not be established, perhaps best by 
agreement of the companies rather than by law, a series of 
standard policies, — term, life, endowment and annuity, - — with 
the necessary class divisions of each ? The experimental period 
of life insurance has passed, and we are now in the midst of 
the successful stage ; the ideal period might be advanced by 
the introduction of standard policies. 

Respectfully submitted, 

GEO. S. MERRILL, 

Insurance Commissioner. 



STATISTICAL TABLES. 



XXXVI 



REPORT OF THE 



C5 

oc 
oo 



CO 

6 

w 

P 



CO 

p 

Ph 

D 
CC 

Q 

< 

to 
K 

H 

►h 

»-) 

►H 

PQ 



CO 

H 

CO 
CO 



DC 



Ph 

M 

w 

o 

525 



- 
P5 

H 



1 




DO 




















o 


o 




CO 


00 




1 


•9 


w 




















CN 


t^ 




00 


OS 




1 




2 




1 


i 


| 


1 


1 


1 


1 




CO 


°1 


1 


°i. 


CN 




» 






















o" 


» 




cn" 


os" 


' 






















■* 


o 






■* 






£ a 


>> 




















CO 


CN 




00^ 






^ 


i « 


_u 


























rcT 






DC 


< 


o 


























l-H 






Q 




Ch 


































oo 

u 




CO 


o 


i— « 


CO 


»o 


CO 


00 




l-H 


t 


»o 


1^- 


r^ 


© 






a 




CO 


i— ■ 


CN 


l^ 


CO 


t^ 


1- 






OS 


09 


CN 


os 


Tt< 


< 


•a 




"* 


00 


CN 


»— i 


CO 


»o 


■ - 




o 


o 


CO 


os 


OS 


»o 




- - 


































j 


o 




■>* 


CN 


»— ' 


CN 


cr 


00 


• - 




i - 


«5 


00 


OS 


CO 


© 


- 




© 


1^ 


CN 


«3 




OS 






•o 


•o 


CN 


CO 


oo 


t^ 




u i 


>% 




— 


CN 


00 


i - 


irr 


1^ 


cq_ 




i— • 


CN 


»o 


1-1 


CO_ 


°v 


— 
i 


<» c 


_o 




0fr 








cn" 




»o" 




>-' 




•<of 


ic" 


l-H 


l-H 


< 


fr- 
















۩> 




۩- 
















ag 




















o 


o 




CO 


IQ 




1 


£ .5 

g?8 


a> 




















o 


OS 




CO 


»o 




l 

eft 

§8 


S 




1 


1 


1 


1 


1 


1 


1 




CO^ 


GO^ 
CO 


1 


cn" 


©^ 


• 




t- a 


>> 




















CO 


CN 




°l. 






i-4" 


* <» 


_o 




















€& 






«s" 






CO 


< 


"5 


























r-H 






D 
w 
O 




- 


































00 

E 




CO 


CO 


CO 


CN 


o 


CO 


t^ 




m 


kO 


CO 


o 


00 


© 




en 


a> 




CO 


© 


1—1 


OS 


**" 


oo 


CN 




CO 


-*< 


CO 


CN 


t^. 


CO 


OB 


"2 « 


•a 




00 


©_ 


°1 


co^ 


^o 


■<*< 


OS 




»o 


00 


~- 


°s. 


l-H 


>^ 


b 




































■J 


os c 
— as 


o 




© 


co" 


tc 


CO 


Oi 


00 


CO 




Tt< 


CO 


r— 


o" 


© 


© 


S 


fi 




CN 


00 


iO 


t^ 


OS 


o 


»o 




OS 


CO 


o 


CN 


lO 


© 


« 


>> 




ira 


CN 


00 


00 


o 


00 


OS^ 




°t 


CN 


co^ 


O^ 


© 


CO 


D 
CO 


00 O 




€& 








cn" 




*a 




»cT 




ta 


»o 


^r 




«^ 


*o 
















€& 




<& 
















£- 




































( 






© 


t^ 


CO 


CO 


o 


_, 


CO 




o 


,_, 


o 


l-H 


o 


iO 




£2 






i— i 


i— 1 


l£5 


CN 


1— ( 


CN 


"* 




■* 


>o 


CO 


o 


00 


t^ 




5 






TjH 


o 


CN 


t^ 


t^ 


t~* 


00 




o 


o 


r^ 


I— 1 


00 


t^ 






































« 






© 


\a 


o 


»^ 


CN 


o 


CN 




o 


oo 


o 


OS 


CO 


CO 




"l 00 






© 


© 


OS 


CO 


-* 


IQ 


o 




CO 


CO 


CO 


ICt 


t^ 


© 








GO 


CN 


■»*< 


«o 


o 


00 


o 




CO 


T 


l-H 


t- 


t^ 


CO 








































00 






CO 


CO 




OS 


• 00 


■* 


o 




CO 


l-H 


CN 


o 


CN 


IQ 




O 






•7> 








1-H 




■<9< 




CN 




o 


00 


l-H 
























m 




€» 














*_ 






© 


o 


OS 


00 


o 


^ 


o 




o 


CO 


CO 


->** 


00 


iO 










■<*< 


00 


CO 


1—1 


m 


o 


t^ 




00 


00 


CO 


00 


l-H 


© 










CN 


o 




00 


CN 


CN 


b- 




o 


t>^ 


oo 


T* 


l-H 


CO 




<D 




































00 






CO 


ocT 


00 


\a 


CN 


OS 


CO 




o 


o 


t^ 


CN 


"S" 


tjT 




go 






© 


-* 


"* 


i—i 


Tt< 


«t) 


CO 




oo 


?— 1 


CO 


o 


00 


© 




«*1 






CO 


lO 


CO 


T^ 


CO 


CO 


CO^ 




lO 


OS 


t^. 


t>- 


00 


© 








































00 






■* 


CO 


I— 1 


cT 


o 


lO 


cb" 




Tt< 


l-H 


t^ 


1-H 


CO 


© 




O 






» 






i— i 


CN 




^ 




CO 




ia 


o 


l-H 






















۩= 




۩= 






l-H 








o 












































■4- 






















•*- 












CO 


co 


OS 


i— i 


CN 


CN 


CO 




co 


!-H 


o 


CO 


Tt< 


\a> 




•a 






CO 


■^ 


00 


CO 


CN 


1^ 


OS 




CO 


l-H 


o 


>o 


© 


i-H 




c 






CN 


C3> 


r-^ 


CO 


OO 


CO 


Tt» 




o 


lO 


Tfl 


OS 


->*« 


l-H 




a> 




































ft m 






00 


»Q 


o 


CN~ 


CO 


00 


OS 




l-H 


t^ 


CO 


CO 


© 


00 




K OS 






3 


CO 


lO 


CN 


o 


5 


o 




o 


CO 


l-H 


Tj< 


© 


© 




03 ■*-> 






00 


IC 


I— 1 


CO 


00 


00 


00 




co 


CN 


OS 


oo 


!-H 


© 








€& 


































■— t 




i— ( 


CN 




r-- 




T* 




CO 


r~^ 


CN 






as 

o 


















€& 




۩* 






I—" 








c 




































O 




































S3 

s 






00 


CO 


■* 


OO 


t^ 


!*• 


t>- 




OS 


00 


l-H 


00 


© 


© 








1— 1 


■*M 


^-1 


CO 


CO 


00 


co 




CO 


CO 


CN 


oc 


© 


l-H 








t^ 


>o 


CO 


l—i 




CO 


CN 




t^ 


t^- 


CN 


CN 


© 


© 




Q 




































CI 






CN 


05 


o 


CN 


CN 


•* 


i— i 




CO 


»o 


l-H 


CO 


CO 


"<f 




a 






o 


OS 


o 




t^. 


Tf< 


CO 




I— I 


Tt< 


© 


OS 


co 


CN 




hi 






1— ( 


»^ 


CN 


^ 


CO 


Tt< 


CO 




»o 


CO 


l^. 


CO 


©^ 


CN 








































00 






1—1 


i— 1 




of 


co" 


l-H 


o 




>cT 




r^ 


o 


cn" 


l-H 




O 






& 












l-H 




€& 






CO 








— 


















0b> 


















o 










































o 




o 








o 




o 


o 




o 


© 


© 




^ 






o 




o 








o 




o 


o 




o 


© 


© 




03 






ira 




o 








»o 




o 


co^ 




o 


© 


© 








































ft 
03 

a 






•o 


1 


o 


1 


1 


1 


ta> 




o 


o" 


I 


o 


© 


>o 








CN 




o 








CN 




»o 


o 




o 


© 


CN 








۩> 




id 








IQ 




CN^ 


l-H 




1—1 


CN 


l-H 


























& 














• 




DO 
M 

»H 
















w 

H 
















>> 




•< 
















< 
H 
















Y. 




Ph 






,_^ 










C» 
















& 

P. 
O 



c* 
o 

- 

< 

58 




M 
o 
O 

co 

H 
H 
W 
I 

*^ 

pq 
o 

«1 

co 
c/j 

■"! 


00 

h 
S 

PQ 


M 

O 
o 

a 

OS 

W 

c 

S3 

o 

>-9 


"S. 

en 
O 

X 

00 

OJ 

'Jl 

s 

o 

e3 

00 

til 
OS 


'3 

3 

s 

in 

i/j 
3 
S3 
O 
CCS 
tn 
m 

a 

2 


3 
3 

P 

C3 

"to 

c 

W 

o 


"3 

3 
3 

o 
a 

00 


00 

5 

o 
H 


w 
H 

H 

o 

Eh 
O 

u 

s 

< 

h 
S 

o 
U 


of 

3 


"5 

E 

a> 
3 
as 

O 

4-> 

3 

"S 

as 

3 
3 
O 

o 


3 
3 

a 

3 
o 

p 
§ 

O 
O 


3 

cr 

w 


.2 
"S 

s 
o 


s 

o 



INSURANCE COMMISSIONER 



XXXVll 



CO 






a 
• 7 
j-- 



r 

09 



■ 7 



•c a 

r a 

CM t— 



(N 


3 


o 


—* 


© 


CO 


CS 


O 


— 






— 


CS 


CO 


I - 


Ci 


— 


5*5 


— 


17 


i— • 


00 


— 


•7 


o 


l^ 




















IN 


r - 


U3 


- 




o 


>o 


CC 


OS 


— 


X 


- 


r- 


l~ 






■* 


h- 


71 


CO 


r^ 


71 


CO 


o 


•M 


«Q 




t- 


CO 


r— 1 


cm 




P-N 









■» 



cc 

— 

so 
















r^ 


co 






































r^ 










7! 


— 




71 


SO 




CM 


•— l 


CO 


7i 




o 


-«• 




X 


71 


M 


x 


co 


— 


-M 


t» 


r^ 


— 


CM 


O 






OS 
























© 


:? 


o» 


cc 


— * 


eg 


■*J< 






Ci 


M 


t~- 


x 


71 


71 


^ 


i - 


CO 


ira 


30 


r 


i~ 


f 


— 


GO 


jc 


71 


t— 


•* 


-M 






















i—i 


i— i 


-. 


M 




r^ 


— 


•— ' 


CM 





CO I-H 

Ci r^ 

CM CS 



39 
its 

C7 



cc 

- 























+ + 


co 


'7 


«* 


*-« 


a 


r- 




CO 


-M 


CM 


o 


© 


CO 


— 


r^ 


o 


71 


co 


CO 


i— t 


— 


1-- 


© 


o 


r— • 


-«t< 


OS 


■7 


09 


»o 


<N 


— 


1—1 
























a 


cc 


1^ 


a 


- 


X 


t— 


cs 


— 


^— 


o 


t^ 


© 


M 




cs 


t^ 


X 


o 


35 


—j 


© 


co 


OS 


■— ' 


X 


o 


1—1 


9Q 




■* 


CO 


go 



co 
o 
71 

t - 
■ - 



•7 

CO 



- 
a 
to 

i - 

IG 

co 



co — co 



CO r- 1 ^H 



8» 



CO 


© 


:7 


CO 


1~ 


CC 


o 


CO 


CO 


Ci 


co 


Ci 


o 


CO 


ro 


t^ 


X 


cs 




cc 


1— 1 
















a 


© 


CO 


cc 


71 


CO 


CS 


3 


r^ 


EN 


7~ 




7-1 


1^ 


c— 


— 


CO 


SN 


39 


I— 


cs 
















^H 


CO 


Tf 


■o 


IQ 


1—1 


co 


"— • 




9Q 


Tt< 




o 


CO 



— X 

,-. CM 

co" — j" 

OS CO 



- 

a 



- 
o 
o> 

-" 

CS 



O CO 

i~ cs 

— co 



X 

a 
- 



co 



09 


t^. 


CO 


X 


CM 


o 


CO 


o 


CS 


CO 


t^ 


CM 


CM 


CM 


h- 




co 


o 


IO 


1^ 


o 


— 


t^ 


— ' 


«0 


r-» 


CO 


t— 


T»< 


r^ 


l-~ 


CM 


.7 


CO 


CO 


05 


X 


CS 


co 


ITS 


t^ 


CI 


c— 


•* 


CO 
































^^ 


o 


OS 


CM 


iC 


«0 


o 


1— 1 


U0 


— 


CO 


CO 


fl 


-M 


CO 


CM 


IQ 


CM 


co 


l^ 


r— 


co 


CO 


f— 


cs 




— 


co 


X 


-* 


i-^ 


Tt< 


BO 


CM 


© 


GO 


•M 


IQ 


00 


CM 


cs 


CO 


o 




X 
































CN 


CO 


~— 


© 


I— 1 


l^ 


>~ 


CM 


r— 1 


i—i 






I— 1 




>— ' 



c 
'7 

-M 



M2 

CM 



a 
~_ 
osT 



.7 
X 
CO 

DO 
— 4 






39 
■7 

— 



X 
09 



«-H CO cs 



CM 

o 

1IO 

"*< 

CO_ 

co" 



— 



cs «o> 

Tt< 1— I 

CO i— 1 

CO — <" 

OS o 

t-- o 



CO 



39 

7) 
OS 



o o 

© © 

©. ©_ 

©" ©" 

© © 



© © 

© © 

© ©^ 

©"■ ©" 

© © 

O f-H 



© © 
© © 
© © 



۩= 



۩= 



OS 

71 

—1 






71 

— 
71 



71 
CC 
X 



>7 

CO^ 
«0 

t^ 

CM 



X CS 

X ^H 

co_ eo 



۩= 



© 

o 

•■7 



71 



X 



• • * «~ • • S • « 

c -" o ja +* -Z* 



J ? a 

= -3 - 

S3 £> — 

s s s 



93 

— i 
S3 



— 

o 
2 



fcD 

_C 

'> 
c3 
CO 

c 

CD 

•p 

'> 

o 



u3 


QQ 







CD 






c3 










S 


CO 







T3 


O 


CD 


a 



Ph Ph H 



cc 

p 



p ?> 



p 

c 

n 



CC 



o 
Ph 



CC 
CC 

5 



X XXVI 11 



REPORT OF TIIK 





• 










or; 


u 


< 




- 






M 









- 




O 


zz. 


- 




- 


c 


o 


E 


s 


< 



DC 


DC 


CO 


i" 


© 


© 


CO 


© 


© 


— 


— 


— 


. ; 


■<* 


CC 




sc 


© 


1 - 


'.O 


1-* 


— ■ 


17 




CO 


i - 


CN 


"f 










/ 


or 


£ 


© 


CC 


OJ 


t- 


o 



••/.' 



CO 

CI 






oi ©" 



i- © 

— cc 
CO c 



€fr 



— 
l - 



— 

i - 

■*« 
CO 



C 
ic 






TO 

to 

C 
- 

o 

o 

H 
H 

H 

CO 

K 



w 
w 

H 

o 

o 

H 
<] 

C/3 

w 

M 

fa 
o 



3 
« 



H 



: 

- 

c 

< 
.r. 

a 

O 

03 
M 



co 

© 



uo •— I 
© © 



cc 



C IC 

— CO 
CC © 



'■'-* |-H 



CO 
-<* 
CO 

© 



c 
cc 

c 



CO* 



© 
© 
oo 



CN 


— 


CN 


CO 


■ C 


© 


© 


i"H 


CC 


OJ 


1- 


cc 


© 


© 


© 


r^ 


oc 


rr 


CN 


" 


CN 


co 


CN 


CN 


1^ 


00 


© 


© 


© 


CO 


M 


CN 


■** 


CC 


CC 


CO 




■* 


© 


CN 




*c 














CC 


OO 


© 


CI 


CO 


^H 


1^ 


© 


CO 


5 i 


© 


CC 


© 


CO 


© 


CM 


CN 


© 














© 




1— > 


05 


— 


^- 



00 






c 
c 
c 



CO 



c 

CN 



J 



t^ © i— ( CN 

CC © -^ CN 

'©' ^H Tj< 00 



— 
°i 

CM 

■7. 



© 

r. 
i - 



c 
— 
c 



© 

© 

CC 

© 



CN 


i~ 


© 


"+l 


CM 


l^ 


CM 


CC 








CN 
CN 


© 


c 


© 


© 


© 


© 


CC 


© 


U3 


© 


— 


i": 










— 


■*f 


© 


or 


CN 


© 


cc 


CN 


I-H 


t^. 


1— ' 


>c 



■— 1 


— n 


1^ 


© 


CC 


© 


Tt" 


© 


© 


© 


iC 


© 


co 


CN 


CN 


CN 


CO 


cc 














— 


1C 


© 


co 


-T< 


CC 




CN 


i.C 


>c 


CC 


CC 


© 


i— i 


uC 


© 


© 


■— ' 



۩= 



© 

— 

CN 



■/. 



© 


-*i 


i-H 


'C 


© 


c 


CN 


CN 


CC 








CN 


© 


K 


■tf 


iC 


lO 


© 


CD 


cc 








© 


«5 


— 


CN 




— 



© 


© 


© 


© 


© 


«3 


CO 


oo 


© 


© 


© 


© 


i— i 


l^ 


CO 


CO 


© 


co 
















© 


CN 


1— ' 


1- 


— 


if 




© 


© 


CN 


© 


h- 


© 


CC 


CO 


co . 


© 














-» 


1—1 


t^ 


lf5 


"* 


© 


co 




to 


© 


1— I 





m 



€te 



- 
- 
v. 

z 

a 

i 
F 

H 

pa 

■/ 
P 

= 



-- 
S 



M 



PP 



• 


d 


— 

p 
2 


• 


• 


o 


OJ 


-3 


_r 




O 


O 


c 


ad 




o 


oo 


rt 


a 


'J. 

o 


■ 


a 
- 


c 


2 


p 


on 


> 


S 


H 


X3 
O 






S9 





H 

H 
- 
H 
CC 

P 
K 

H 
O 

O 



< 

rV 

o 



N 5 



P 



o 


-t- 

3 


O 


^ 


•— 


-u 










a 


O 






4_> 




a 


o 


o 


<u 


c 


a 


c 


p 


o 


o 


O 


O 



rZ 



cr 

W 



a 



s 

c 

W 



INSURANCE COMMISSIONER. 



XXXIX 



■M 




M 


M 


>~ 


l~ 




X 


i*. 


X 


i~ 


^, 


_ 


C55 


X 


^ 


tN 






q 


<N 






03 




•T 


t-. 


1 2 


to 


•- ; 


X 


— ' 


— 


«Q 


1 2 


X 


e4 


03 


co 


r-1 


O 


05 


— 


00 


— 


— 


X 


l~ 


oi 


c-. 


X 






•<* 


— 


•<»• 




X 


ri 


■V 




CO 


(N 


i" 


iC 


X 


BC 


CO 


. 


e 


a 


^ 


i - 


M 


— 


X 


03 


s 


tN 


-,T 


.4, 


~^ 


co 


_M 


^ 


rr 


— 


- 


CO 










.~ 


~ 




~ 


r i 


— 


— 




:: 


— 


N 


M 


— __ 


5 


>~ 


— 


-M 


^M 


30 


— ' 


— 


~L 


o 


— ' 


c;_ 


• : 




cT 




— ' 




to 


DO 




eo" 


i~ 






BO* 


OS 




oT 


i^ 


oi 




h-. 


EC 




s 






■ ~ 


•M 


— 






: 




o 


co 






03 


°1 






q 


•* 


tC 


i— i 


re 


cc 


iC 


1 


Ol 


— ■ 


03 




































■*• 


■o 


CO 
IC 


of 
Ol 


■M 


»-H 




— 


t- 








ro 






c 

Ol 


X 
Ol 
































••/=» 




X 




. 


~ 




~ 


— 


X 


— 


X 


— 


Ol 


- 


I-- 


N 


2 


•c 






: 


BO 


q 


"1 


I - 


— ■■ 


t - 




Ol 


ua 


- 1 


-! 




■— 1 


; 




BO 


— 


— 


t - 




oi 


o 


— ' 


X 


Q 


— 


— 


— 




■3 


~ 




:? 


SN 


rr 


i~ 






rt 


L- 


co 




CO 


?— • 




:t 


:: 


:? 




O 




t^ 


N 


£- 


X 


o 


s 




i~ 


r. 


l - 




-~ 


03 


r~~ 




r- 




1 3 


— 






- 




O 


BN 








o 


X 


X 




© 


cr_ 




IB 






o 


03 


C^i 


-M 


x*< 


— 


X 


r^ 


•-T 




































M~ 


i-h 


i~ 




_^ 


C 


Ol 


co 


o 




p— 


K 


— 


:c 


-M 


•^ 






co 










— 


X 


•M 


r? 


— 


i - 


i - 


«o 


B > 




vr 




N 






c:_ 


i~ 


03 


— 




BQ 


t~ 




09 




— 




r 




































» 


ff" 


— 


— 


oi 






X 


CO 




CO 


Ol 








Ol 


K 

CO 


~ 




03 


ic 


■* 


X 


B0 


- 


X 






co 


t~ 






t-~ 




— 




'- 


BC 


-M 




DC 


- 








a 


X 






CM 


"1 




X* 




~^ 


O) 








c^ 


1 








1 


1 




1— 1 


- 


a 


a 


~ 


8 


e 


r- 


a 


a 






= 








CO 


:- 


. 5 




o 


CD 


a 




i 








~ 








— 




i - 


i - 


— 


X 




o^ 


O 


t-^ 






IG 


X 






■^ 


r<« 




















| 


1 






1 


1 








o 




BC 


Ol 


or 


— 


X 


i~ 






: 3 


— *• 






Q 


ec 






o 


«* 


:- 


Ol 


co 


co 


X 






"^ 








f_- 


r- 






x 


t- 










CO 














» 


i~ 
X> 


BC 


_ 




h- 


._ 


X 


, 


r~ 


t^ 


03 


t^ 


X 


t^ 




X 


^ 




m 




— 


CO 


C 


iT 


CN 


:? 


X 


cN 


T. 


; 


X 


aq 


CO 


33 




ri 


: 


33 


c4 


" * 


1— c 


BQ 


>~ 


c; 


i ~ 


2 


X 


»— 1 


i— i 


Tl< 


a 


o 




Ol 




09 




Ol 





05 


r. 


O 


■m 


c 


cr 




CO 


Ol 


— 


i— • 


3 


n 




ri 


l» 


sa 


o 


i— < 


— 


^ 


EN 


IC 


co 


t^ 


--T 


I>- 


— 


X 


BO 




!M 


X 


X 


X 


t^ 


— 


t^ 


OJ 


OJ 


X 


•— 


Ol 


•^r 




































x 




?r 


O 


^w 


Ol 


X 








— 


CO 


l~ 


— i 


T. 


^^ 




t^ 


S3 


X 


t^ 


x 


— 


X 




i^ 


CO 


>- 


T*« 


o 


• o 


CO 




03 


Ol 


■<*« 




©_ 


^~ 


°i 


— 


X 


o 




z 


r~ 






^" 


CO 


■^r 








































CN 


•—1 




CO 


iH 




^— 




^^ 


f— < 








oa 


■M 
































^= 


«>• 


a 


_ 


03 


co 


'~ 


O0 


o 


Ct 




t— 


X 


X 


_ 


Ol 


X 


r^ 


X 


— 


QgJ 


ea 


BC 


05 


-M 


CO 


•»« 


— 


-ri 


X 


oa 


— 


t- 


w 


C3 


o 


•f 


— __ 


W3 


— 


rH 


CO 


© 


a: 


— 


i— 






i-O 


— 


OJ 




.- 






































rC 


X 


BO 


Ol 


• ~ 


1^ 


i~ 


■- 


09 


^^ 


X 


■^ 


c: 


03 


i~ 


— 


Ol 


OH 


pa 








a 




■^ 


•~ 


X 


IG 


X 






OQ 


X 


t^ 


«a 


-~r 


O) 


33 


— 


~^ 


— 


C5 


x 


vr 


^— 


O-l 


CO 


o 


CO 


C5 




































~— 


X 


i- 


.- 


»o 


■*" 


•^ 


>Q 


tT 




C5 


X 


to 




o 




C5 






eo 


T> 




O 


jj 


i— ( 
















4©= 


X 




















































X 
















































sS 


































-fca 
















* 




H 














CQ 




• 


• 


• 


"3 


• 


• 


1 


• 


•a 

a 


a 




_- 


DO 






— 
o 

— 


o 


^ 


5 


. 


c 


. 


„ 


o 


ci 


- 


CO 




s 


o> 

— 


. 


a" 


o 


4-3 




•§ 


,-T 


pq 
"5 


"3 

a 


M 

■~> 
o 

>* 

o 
15 


CD 

o 


a 


-Ul 

a 
'a 


a 
■a 


_3 


3 

a 
3 


e5 

— 
-a 


a 
o 


o 

— 
to 

.S 


GO 

— i 
o 


-a 

a 


~ 


u 


p 




o 


-4^ 


a 


> 


"> 


ea 

> 


CD 


B 


1= 

00 


H 


o 


a 




1 


a 


— 

ej 

55 


o 
15 


a 


o 
Ph 


p 


H 


'a 
P 


'a 
P 


> 


e3 







tl 



xl 



REPORT OF THE 



a 

o 

O 



- 







Q 




c 


CO 


to 


r-^ 


W5 


t^ 




co 


^H 


CO 


Ci 


CO 


^0 


09 




5 




C: 


CO 


— 


o 


Oi 


*— ' 




— 


00 


CO 


t^ 


X 


Ttl 


- 
09 
/ 








—' 


"■* 


r— i 


■"*■ 




** 




i— i 


I-H 


r— c 








< 

- 




~™ 




































CO 


co 


© 


>o 


O 


— 




»o 


CO 




>o 


p 


oo 










-~. 


CD 


CO 


tC 


o 


cr. 




t^ 




t^ 


Ci 


Ci 


CO 


S 




= 




00 


o^ 


©_ 


Ci^ 


o^ 


— 




© 


co^ 


CD 


oc^ 


°i 




o 




3 

o 
5 




t^r 


i-T 


co" 


cT 


— 


o" 




OS 


-tT 


«3 


of 


tc 


oi 








— 


■^ 


l~ 




i ; 


CO 




o 


co 


co 


C-J 


CO 


CO 


i-3 






8k> 




f-H 


CO 




iC 




IO 




Ci 


zr. 


l-H 




►J 




«« 














§» 




••/.» 












i Q 




a 




N 


o 


— 




CO 


co 




CO 


^_, 


ri 


CO 


~\ 


r^ 


» 




g 




— 


DC 


Ci 


eo 


CO 


CO 




CO 


CO 


■*> 


l-H 


s 


IO 


-< 








co 


^ 


"-< 


CO 


CO 


CO 




I-H 


I-H 


CO 


l-H 


CO 




M 




V 






























- 




p^ 






























E M 


































































§s 








CO 


CO 


r^ 


Ci 


o 


l—l 




CO 


iO 


iO 


OS 


r^ 


-* 








I— » 


~5« 


i— i 


r- 


CO 


CO 




I— ( 


Ci 


CO 


1- 




>o 


g PQ 




H 




>— 1 


CO 


Ci 


Ci 


l-H 


T»« 




o 


iO 


o 


©_ 


o 


CO 




































" 




2 




CD 


CO 


•— < 


co 


CO 


Ci 




00 


^*l 


oo 


cT 


Ci 


oo" 


B 
CO 




O 




o 


J* 


O 


00 


Tf 


CO 




^* 


CO 


Ci 




Ci 


CO 




s 




I— ( 




CO 


CO 


^-1 


i-H 




o^ 




CO 


l^ 


CO 




<: 




< 




۩= 










r— 1 




tjT 




,_r 


^r 






O 


















Sfr 




m- 






,—H 






■ 
- 




c 

9 




co 


(^ 


CD 


1— 1 




o 




•* 


Ci 


l-H 


^ 


"f 


— ' • 


© rA 






© 


co 




t>- 




TjH 




t^ 


o 


Ol 


l^ 


CO 


— 


CJ W 




M 
9 




co 


I-H 


CO 




1 


1-H 




* 


CO 




^ 


CO 


CO 


P s 


































































** Oh 








































OS 


co 


_ 


CO 




CO 




t-- 


t-^ 


CO 


o 


•* 


CO 








t^. 


CJ0 


lO 


o 








ICO 


CO 




co 




b- 


S Q 




"tS 




— 


CO 


m 


*ra 




Ci 




Ci 


CO 


IO 


Ci 


o 


CO 


















1 


















« s 




3 




o 


Ci 


Ci 


CO 




iro 




t^ 


Ci 


Ci 


Ci 


t^ 


I— 1 


M ft 




o 

a 




OS 


»o 


CO 


Tti 




CO 




1~ 


CO 


■— 1 


Ci 


T*l 


CO 


3 






&=r 




CO 


i-h 




CD 




CO 




i-H 


f- 


c~ 


I-H 


y " 




< 














۩= 




۩= 






^-" 






A 






































e 

o 




t^~ 


■* 


iO 


CO 


1— 1 


CO 




■* 


CO 


eo 






iO 








© 


o 


CO 


in 


CO 


I-H 




»ra 


CO 


1— < 






**- 


n 




u 




CO 


CO 


«i 


■* 


CO 


■* 




CO 


CO 


co 


1 


1 


00 


•< 
o 




9 

Pui 






























i-5 










































o 


Ci 


r^ 


t^ 


Ci 


CO 




00 


•<±l 


i-H 






>o 


3 








1— 1 


CO 


CO 




CO 


CO 




t^ 


T« 


00 






CI 


D 




C 




t^ 


Ci 


o 


CO 


CO 


co_ 




UO 


■* 


1— 1 






00 




























1 


1 




3 




s 




""* 


Ci 


t- 


x*i 


>* 


r— I 




o 


i-H 


CO 






o 


a 




o 




CO 


CO 


•* 


"* 


CO 


-* 




CO 


CO 


l-H 






oo 


M 




g 




F— C 




IO 


Ci 


I— 1 


CC^ 




°i 




00^ 






•o 


Ph 




^ 




۩- 










I-H 




!-H 




l-H 
















CO 


00 


O 


■* 


CO 


CO 




I-H 


00 


I— 1 


t^ 


00 


•^ 


03 






00 


r— 1 


CO 


o 


00 


00 




o 


1— 1 


1— < 


iO 


I— 1 


•* 


z 




o 




co 


o 


ci 


>o 


00 


CO 




CO 


I-H 




CO 


<# 


"*l 


< 




l~ 




























i-H 


o 




Ph 




































io 


IQ 


CO 


CO 


CO 


CO 




Ci 


CO 


CO 


o 


CO 


o 


K 








CO 


r^ 


CO 


CO 


CO 


CO 




o 




CO 


o 


co 


CO 


K 




C 




"*-. 


CO 


CO 


eo 


-«* 


Tf 




o 


IO 


I-H 


o 


CO 


o 


































«4 




3 




of 


CO 


o 


. — i 


CO 


t^ 




I — 1 


CO 


-* 


IO 


Qi 


t^ 




O 




OS 


CO 


CO 


^ 


o 


■* 




t-~ 


CO 


CO 


o 




CO 


p-1 




a 

< 




CM 


1— 1 


o^ 


o_ 


*o 


©^ 




oo 






t-- 


CO 


OS 


i-h" 
O 






€©■ 




r—t 






eo" 




€©■ 






co 






o 


















m> 




































co 




















cr 














H 




















W 














H 




















h* 














< 
















* 




fc 
< 














H 
CO 
















25 




Ph 






























< 




^ 














P 
















- 




O 














w 
















* 




O 














W 
















3 


















H 
















- 




co 
H 


• 


• 


"5 


— 


• 


• 


o 
















— 




H 






9 


rt 






Ph 






> 















W 






3 


3 






O 




OS 

a 


"3 










9 




Pd 

o 


. 


M 

o 
O 


■ 


c 


"5 


. 


co' 
w 


. 


c 

CD 

u 


IrH 

*-- 


. 


, 


. 








/ 
•< 


cT 




CO 

p 


OS 

P 

w 
* 


t& 


CO 


Ph 




a 


s 
5 


aT 


of 










* 


in 

DO 
U 


w 

p 
— 
o 

»-s 


u 

oi 
co 

/ 
03 

2 




09 

■4-t 


"oS 
O 

H 


O 


of 

c 

- 


o 

p 
o 

o 


o 
o 

p 
p 
o 
o 


3 

03 
JtS. 

's 

C 


p 

OS 

1 

© 


£ 
o 



[NSURANCE COMMISSIONER. 



xli 











_^ 






X 


e i 


00 


_ 




1 - 


_, 


_ 


oo 


1 - 


>o 


— , 


CO 




-' 


i - 




«o 




-1 






" 1 


r-- 


o 




o 


C5 




0E) 






en 


oi 


1 - 


»o 


CO 


CO 


co 


£ 


-- 


i- 


EC 


■G 


3S 


r 


— 




to 




t - 


00 


— 




— 


o 


— < 


r 




C5 


C3 


i> 


CO 




00 








• 7 


00 


f 


— 


CO 




f-^ 


^_ 


00 


~ 1 


1 » 
















Ol 


- 1 


r 


e 




oo 


00 


•* 












CO 




— 


l~ 


t^ 






CO 








_. 





9 1 












— 





















SO 


CO 


- 




- 


"M 




CD 




- 




r— 




^_ 


-* 


CO 


Ol 


,H 


CO 


r - 


oi 




CO 


1 - 


o 


•-T 


■^ 


oo 


CO 


■—i 


^ 


CO 




1 - 


— 


Ol 


n 


1—1 


.- 


i- 


— 


- 




o 

I— 1 


EC 


CO 




f— 1 




— 


— 


f— 




ro 


~ 




' - 


S3 


9C 


39 


CO 


4 


• - 




CO 


EC 









I - 










OS 


r~ 




o 


o 




00 


- 






CO 


■c 






n 






co 


X 




•—• 


> . 


00 


— H 


— 


— 


O 










































1 


~ 


t 


t-~ 




:i 


c 


o 


r- 


CO 


9—* 


— 


Ol 


r^ 


EC 


■M 


30 


r <• 




r-> 


r^- 


•o 




1 - 




o 


1 - 




co 


- 




n 


ri 


oP 


X 


c? 


'-' 




^H 


. — » 




CO 


ri 








— 
/ 


EN 

co 


~i 


•- 






- 


© 


- 


•- 


— 


£ 


00 


co 


CO 




o 


t 


EC 




— 


c 






—> 


co 


CO 


— 


J 




I - 


C5 


Oi 


CO 


■-: 


r i 








CN 


CO 


CO 


CO 


M 


X 


<M 


i—i 


CO 


^^ 


CO 




-- 






— 


C5 




C5 




EC 


~i 


05 


a 


— 


:i 


N 


1 - 


Ol 


CO 


X 


Ol 


N 


- 


CO 


•— ■ 


1- 


co 


— 


co 


01 


f 








CT 




r- 


— 


— 


X 


- 


© 




en 


— 






1 - 


. ; 


i - 








































pa* 


05 


- 


00 




~^ 






— 1 


00 




00 


^— 


r - 


c; 


•-^ 


t - 


~ 






Ci 


• a 


r. 




o 


:- 


>-. 


1 - 




i - 


Ol 


EX 


r-» 









EN 






oP 


X 


— 






CM 








CO 


■o_ 
0" 








_ 




-M 


n 


'- 




t^ 


— ■> 






r— 


K3 






r^ 


01 


Ol 


— 










00 


co 


01 






— 


' - 


CO 




t^ 




r-~ 






C3 






1—1 


CO 








t~- 


C-> 








^-1 


- 


X 




M 


— 


-*< 


-M 


Ol 


O 






o 


S 


•<# 




■* 




i^ 










© 


— 


£ 


O 






Ol 


t - 






01 


X 








1^ 


?\ 


CO 




O 


1— 








i - 


>~. 




0-. 


CO 




































>~ 


— 




r^ 


— 


I-. 


N 


• o 








c 


Ol 


i-H 




co 


>- 




Ol 




— * 




■-T 


o 


>~ 


co 






EC 


t^ 






:: 


r-» 


v. 










CO 


i~» 


«G 








•^f 


i— i 






°1 


0^ 
co" 




t~~ 


^ 


CO 


CO 


CO 


c 




00 


t^ 


CO 


-" 


t—i 


CO 


— 


i~ 


01 


>o 


i 2 


•—• 


oi 


CO 


05 


IO 




t^ 


t^ 


CO 


'"f 


00 




>o 


~ 


05 





oi 




t^ 


X 


lG 


CO 


' 


71 


kG 


■* 


i- 


•* 


CO 


CO 


»o 


-^ : 


«o 


CO 














.— « 




















"M 


O 


© 


DC 


r^ 


o 




C5 


CO 


o 


o 


CO 


CO 


-*< 


t^ 


t-» 


CO 


CO 


o 


Q 


o 


00 


O 




C5 


o 


o 


Tf 


■* 


CO 


CO 


<M 


>o 


C5 


• ~ 


l~ 


B 


>£3 


CO 


o 




GO 


CO 


o 


-* 


00 


■^« 


o 


Tf« 


CC 


CO 






































c: 


M3 




o 


C5 




•o 


t^ 




X. 


"0 


CO 


■<f 


W3 


O 


l^ 


CO 




— 


O 


c 


O 




CO 


r-» 


CO 


CO 


C5 


CO 




O 




■ - 


ac 




DC 


C5 


re 


r- 




oa 


05 




U3 


CO 


1— « 




i.~ 


CO 


CO 




































CO 




ga 


CO 




co 




f— i 
















CO 


CO 












































• 




"5 




-4-T 

3 

H 














— 
3 

OQ 
















3 

d 
3 

GO 


• 


C 


CO 

fcD 

3 


• 


• 


• 


• 


• 




xa 

4-2 


«r 




"3 


"5 


C3 
c 
« 
"3 


"3 
3 


Fh 

o 
o 


"3 

3 
3 


c2 

3 


> 

CO 

3 


"go 
U 

o 




eg 

3 

— 


3 
O 


3" 
O 

to 




4-1 

O 

05 

3 
O 


3 



+a 

3 
3 

M 


3 


p 


3 


3 
1 




— 
o 


3 
3 
o 


o 


o 

PL, 


o> 

> 

3 
SM 

EH 


3 

o 

p 


p 


> 


— 

CO 

03 


H 


O 



xlii 



REPOET OF THE 



O oo 

—• u 

I « 

■3 2 

B 

2 .* 



I 



oo 



o o o o o 

o o o o o 

O © O © i~ 






"3 >a 



h a 



00 


© 


OS 


CO 


r^ 


r— 


1^. 


© 


© 


— 


oi 


— 


© 


00 


© 


© 


© 


-. 














co 


CM 


CM 


■* 


-M 


— ■ 




IN 


05 


U3 


© 


i -- 




oo 


© 


Tl 


»o 


co 


•/. 






CM 







1-^ 


CO 


CO 


co 


»>. 


00 


i~ 


:/: 




»ra 


r ~ 


© 


oo 




00 


CO 


cc 


t^ 


oo 


iC 


l~ 
















oi 


© 


CM 


f^ 


cc 


1— 1 


t~~ 


«a 


co 


** 


CO 


OI 


— 


c 



1C — — 



€te 



IO 1-4 l-l 



© 



Ol 
CM 



> a 



۩= 



© 
DC 



۩= 



CO 

© 

CM 






H 



x 

H 

i 

H 

DO 



o 

- 

H 



,— 1 


■* 


1— 1 


m 


»o 


co 


CO 


JZ 


— 


© 


© 






CM 


CM 


© 


»o 


CO 














© 


iO 


00 


CO 


t- 


Tf 


© 


CO 


t^ 


— 


© 


■<+" 






r— i 


71 




h- 


€ftr 










*& 



۩= 



— 
© 
— 



* 5 



CM 


© 


© 


o 


© 


CN 


1— 1 


00 


f* 


© 


© 


t^ 


r^ 


CO 


CM 


CO 


co 


© 


co 


-* 


co 


© 


00 


OO 


o 


i^- 


CN 


rJH 


ira 


1— 1 


© 


CM 


1—1 


© 


CM 


1 t- 


IO 




co 




























r^ 


CO 


Ol 


© 


** 


CM 


CM 


CN 


CM 


CM 


CO 


CO 


CM 


© 


CM 


© 


KO 


o 


Tji 


-* 


CO 


CO 


00 


© 






a& 


i— i 


i— i 


<M 




© 


©^ 




© 


CM 









OO 


© 


CM 


CM 


CO 


iO 


CO 


i— 1 


© 


CO 


© 


CO 


© 


«5 


■^ 


00 


© 


CO 














Tt» 


© 


O 


© 


CM 


© 


<N 


© 


OO 


© 


QO 


t^. 


CM 


*0 


*o 


I— < 


CM 


oo 


m 






^ 




CM 

€©■ 



i~i 


t^. 


*a 


© 


<* 


,_ . 


© 


00 


© 


CO 


CO 


© 


1— 1 


Tf 


© 


•— I 


r^ 


CO 


CO 


lO 


Tt< 


r—l 


■x* 


oo 


















x* 


r^ 


© 


oo 


oo . 


© 


1—1 


cn 


Tt< 


© 


■>3< 


r-~ 


o 


CO 


CO 


«* 


© 




IO 


00 


00 


CO 


© 


© 


















-~ 




CO 


t~ 






•-H 


CO 





fc 


bH 


< 


55 


Ph 


< 


S 


a. 


o 


^ 


o 


o 




u 


■A 
p 


O 


H 
H 

/ 




(J 

a 


-1 


*• 


fe 


co 



3 3 



a C 

^j d 

O 



a 



a 
eg 

To 

c 



pq 






GO 



to 

w 

H 

■«! 
H 

- 

o 

o 



S 
o 
o 



2 
o 



2 5 



03 

c 



O 



a 
c 
o 
u 



o 

c 
c 
o 
O 











C 










c! 








c 


4^> 


11 


.5 
a 




el 


l 


4— . 

'5 


a 


E 


P 


o 


r" 


0) 


o 


eU 


QJ 


pq 


o 


W 


g 


s 



[NSURANCE COMMISSIONER. 



xliii 















& 








O 


O 


1—1 


— -4 


CO 














t— 








© 


© 


© 


co 


-f 


1 


I 


1 


1 


1 


1 




1 


1 


1 


CO 


© 




rh 


7-1 












































cc 








Z 


CO 


co 




co 














Tj« 








CO 






o 


77 


TO 


t^ 


© 


Ol 


CN 


r- 


— ' 


co 


71 


\a 


CO 


03 


CO 


-* 


i— l 






© 


CN 


SN 


— 


■ a 


-r< 


~-> 


— 


— 


Ol 


© 




— ' 




00 








O 


71 


i - 


:7 




TJ< 


00 






i—i 
































Q 


© 






Ol 


3 


o 


— 


CO 


© 


71 




03 


t- 


CM 


Q 


r? 


— 1 


"M 




© 


03 


CN 


'7 


— 


CC 


co 


I - 




© 


CM 


O 


cc 


pH 


i 7 


1 - 


71 


r. 


i7 


•7 


© 




71 


CO 


— * 


































»o 




oi 


M 


f-H 


1— « 












•— * 


<—* 


I - 


~^ 


























1 - 


I » 


t~- 


(H 


CO 


O 


X 


rr 


'- 


o 




CD 


© 


o 




• o 


© 


l~^ 


-M 


co 




— < 


X 




i - 




■ 7 


— 


CO 


S 






T 


— 




co 


o 




i~ 


— - 




CO 


7-1 




oo 




© 
































on 


cc 


-^ 


r~ 


CO 


Ol 


30 


CN 




'7 


r 


~-* 


03 


— 








co 




Ol 


M 


— 


i - 




7 1 


•O 




i - 


!C 




N 


CO 




Tj« 


S3 


»o 


CO 


CO 












CO 


r^ 
































71 


■— i 




Ol 




















7 I 


co 

i—i 


SO 




CO 


— 


I - 


— < 


03 


71 




— ' 


r- 


t~~ 


03 


CC 


71 


ro 


Ol 


.7 


— 


© 


:- 


:? 


t^ 


I— 


1 - 


n 


© 


»~ 


O 


71 


O 


CO 


Tf 


OS 


© 


— 


CO 


~ 




— 


• 7 




— 


co 


































"* 




— 


~ 


1 - 


CO 


cc 


Ol 


o 


© 


r^ 


co 


eo 


05 


CO 


O 


_ 


>7 


— 


■- 




CC 




03 




© 




CO 


77 


co 


CN 


■o 




CN 


71 


Ol 














CM 


Ol 


© 
































co 






71 




















<& 


i—i 



— 


© 


t- 


Ol 


r^ 




co 


71 


CO 


7-1 


'7 


co 






. 7 












CO 




Ol 


© 


~ 


h- 


CO 


T 


cc 


•O 


© 


•- ' 




C7 


■^ 


l-H 






Ol 





© CO -' 

© -V Ol I- 

— CC "7 77 




1—1 


iO 


co 


© 


© 


Ol 


© 


—1 


CO 


Ol 


r>- 


•7 


© 


rt* 


© 


—i 


— 


Ol 


© 


© 


© 


co 


i—i 


CO 


oo 


"J* 


i7 


ac 


© 




1^ 


© 


-1 
























© 


Ol 


03 


Ol 


r^ 


© 


00 


© 


© 


h~ 


3D 


r<- 


— -1 


© 


co 


CO 


CO 


o 


lO 


© 


>o 


O 


cc 


cc 


CO 


© 


cc 


co 


o 


■o 


CO 


CO 


CO 


t^ 


Ol 




«Oj 


^ 















X 



gq 



re 
-— 






• CO 

— — c3 



3 .2 



55 £ 





z 



72 

C 



Ph Ph 



• 


3 


en 
o 


• 


c 


Cm 

O 


o 


"oo 
en 


3 


c3 
CO 


d 


o 


CO 

!-H 

-i-J 


T3 
C 
cc5 






^ 


o 




o 




cu 


c 
o 


cu 




r3 


JH 


o 




5' 


= 




£ 







xliv 



KK POUT OF TIIK 



1—1 

o 

fl 
o 

o 



o 

fa 
H 



3 S 



>> 




o 




a 




o 




to 


03 


< 




•a 


a 


c 

as 


p. 




K 


E 




o 





co 


CO 


1—1 


Ol 


cm 


— 




— » 


CO 


-M 


i - 


o 


CM 




CO 


oo 


rr 


t^ 














on 


1- 


Ol 


M 




en 


■>* 


co 


CO 


O 


— 


■7 


00 


4- 


CO 


co 


X 


-.- 


IB 


■— 


1—1 


<M 







-- 


^_ 


o 




— 


i- 


07 




c 


i~ 


Oi 




© 


i ; 


■«* 


~ 


■*f 
















i— I 


i - 


ec 


co 


CC 


V 


o 


CO 


■—1 




o 


s 


ec 


CM 


OS 


X 


r~* 


_. 



— I - 

— CO 
t^ CM_ 

-* o" 

CM «5 

i— ■* 



09 



— I 



O CO 
— . (A 

~ CN I 



<& 



c 

i ; 
K 



€& 



CO 


■— i 


OS 


r^ 


_ i 


,— . 


t^ 


CM 


,— . 


_i 


CO 


CO 


© 


CN 


CO 


GC 


<r: 


o 


i— ' 


05 


l~ 


Tt< 


co 


O 


co 


CN 


CD 




o 


i~ 


CO 




«J 


Tt< 




i- 


T 


t— 


h~ 




























X 


co 


eo 


CO 


CO 


CO 


CO 


as 


CO 


os 


C<1 


Of 


h- 


ta 


«~ 


co 

i— i 




CM 

w 


o 

1— 1 




•<r 


oo 

CN~ 


M 


CN 


CO 


O 

co 



€& 



©~ ic" 



— 
x 
co 



© 

CN 



© 
I- 



OS 


CO 


CM 


o 


OS 


1—1 


CO 


Tt< 


Tf 


o 


CO 


l~ 


o 


1- 


CO 




CM 


OS 


CM 


t^ 


oo 




— 


r^ 


















1^ 


Tf 


CO 


CO 


■* 


CO 


1— 


oo 


C5 




o 


— 


I— 1 




l-H 


t^ 



<* 


CO 


CM 


l^ 


CO 


CO 


Ifi 


CM 


CM 


■rt* 


CM 


CO 


CD 


CO 


ia 


CM 


lO 


o 


r— ' 


CO 


»© 


CM 


-^ 


OO 


















r^ 


OS 


p— 


l^ 


© 


CO 


a 


r^ 


© 


I— 1 


T+l 


la 


5 


lO 


OS 


CO 


i— i 




•— ' 


i^ 








CM 



fcfi 



»o 




t*. 


CM 


h- 


CM 


CO 


CO 


l-H 


t^. 


CO 




«c 


CO 


Tfi 


CM 




CM 


CS 


o 


o 


r^. 


o 


CO 




1—1 


o 


r-l 


OS 


<* 


o 


t^ 


cs 




t>- 


o 


CO 


CO 


O 


CO 


l~ 


OS 






























-* 


CO 


CO 


CO 


CM 


CO 


CO 


o 


<M 


CO 


OS 


o 


IC 


m 


xf 


1~ 


CO 


o 


CS 


CO 


CM 


T* 


CJS 


o 


CS 


CO 


»r^ 


CO 


1—1 


iO 


CO 


CN 




•f 


»o 




CM 


t~- 


CO 


1— « 


">f 


1—1 


& 










1—1 


۩= 






CM 








CM 





0D 




W 






• 


^ 


tH 


-< 


'A 


Ph 


^ 








GL 


o 


S 


o 


O 







CO 

H 


fa 


H 


O 


W 
CO 


a 


p 


p% 


o 


< 


- 



3 3 



W 
H 

CO 
« 

a 
SB 
H 

C 





o 


4J 


a 


c: 




o 


IA 


ri 


3 


o 




B 
- 


60 

a 
H 


— 




p 


(A 




<u 










— 


O 


s 


55 


«8 

55 



o 
U 






3 o 



3 



a 



93 






c 
cj eS 

a § 

cr 



a 



a 

c 

OS 
8 



P 

o 
— 



INSURANCE COMMISSIONER. 



xlv 



00 


<M 


a 


co 


o 




oo 


t^ 


Ol 




i - 


■a 




r- 


— 


to 


i - 


EC 


Of) 


oo 




00 


OS 




■Q 


i - 


-M 




















-1 


IQ 


>-> 


o 


»-* 


. ~ 


— 


oo 






r - 


r^ 


o 


so 


t- 




pH 


— 


<M 




X 


CM 


IQ 


00 


CN 


a 


J 




















:0 


w* 


r~ 


o 


CM 


■— ' 


•— • 







cm <m r^ 



•»• 



•/> 



r id 

— pH 

OS CN 

> «• N 

X 39 



C 
X 
CN 



CO 






X sc 

eo cm 



o 
r' 



O f- 

•— • co 



C5 

— _ 

CO 

I - 

7. 



CO 



h~ — ■ 
O CM 

-*• 00 



CN r. o 

~* 00 'O 
CN I— OS 



CO — 

CN — CN 

-- 



C3» 
SO 



•X- 



•- 


t-~ 


CM 


— 


i~ 


X 






M 


»o 


•- 


OS 


1^ 


© 


—> 


eo 


CO 


O 


■«*• 


o 


CO 


os 


OS 


CN 




f- 






















i- 


X 


00 


t^ 


«* 


OO 


OS 


t^ 


or 


t— 


-* 


— 


CM 




1— 1 


IQ 


t". 


■o 


i— i 




SO 


St 


t—< 


•— ' 









3S 



cm r— 

pH CS 

CO_ co^ 

— ~ to" 

CN i - 

— — 



a 
;o_ 

— " 

CN 
CN 



o 


o 


OS 


co 


00 


CO 


co 


-*■ 


CO 


© 


CO 


BQ 


lO 


-n< 


Tf 


<* 


CO 


o 


a 


OS 


CN 






co 


(^ 


t^ 


Tf< 


•—> 


(0 


r^ 


3C 


CO 


oi 


i-^ 




*o 


t^ 


CM 


CO 




























00 


m 


© 


CM 


CO 


^^ 


CO 


^^ 


CO 


co 


CO 


_~ 


r^ 


CO 


w 


CO 


t-- 


a 


.—1 


•^ 


t^ 


cs 


CM 


CO 


iC 


00 


CM 


00^ 

co~ 


1— 1 


•* 


CO 


CM 


•—> 


i— • 


1—1 




ro 


©_ 

oo" 

1—1 


©_ 
©~ 

CM 



<& 



3 3 







cS 




C-l 














CO 




• 


• 


3 
3 

c 


• 


^3 
3 
c3 

<2 


00 

to 

oj 

co 




"3 


oT 






CD 

o 


*c3 

-4-3 

o 






S-l 


03 

3 


^ 




3 


CD 

— 




P 

o 


o 






i> 


— 


u 


+3 


n ** 


3 


c3 




oc 


TJ 


s 


O 

(0 


CD 


3 


3 
CD 

2 


3 


> 


3 
O 


02 
o 


3 
O 

S 


tc 

•S 


03 

-4-3 

o 
H 


3 

c3 

- 


03 


O 

S3 


3 
Ph 


o 

— 
Ph 


O 

M 


ci 


3 

13' 


3 
P 


— 

CD 
> 


03 







P3 _r ~ 



xlvi 



REPORT OF TIIK 



P 
O 



O 
H 

co 
W 

CO 

- 

W 
o 











o 
2 

I 


CM 


cc 


— 


r^ 


-1 


•<*! 


o 


1-^ 


co 


:c 




«a 




OS 


o 




»<o 


1- 


1 CO 


o 


iO 


l^ 


Ci 


OJ 


t^ 






i— I 










1— 1 












• 
— 
* 
OB 

m 


Ci 


_ 


co 


CO 


■*f 


tN 


co 


1— I 


t-^ 


ifO 


oo 


SO 




oo 


T 1 


1- 


co 


i 


1 1- 


O 


S3 


CO 


Ci 


Ci 


1- 






I-H 










'""' 












00 

00 


o 


w 


:? 


ri 


~l 


r^ 


CO 


(^ 


t^ 


Ci 


c 


-M 




OS 


CO 


I- 


EC 


1 - 


1 CO 


CO 


(O 


-jz 


CO 


c 


CO 






■^ 










1— 1 








~ 




O 


/ 
3D 




CO 


"^ 


CO 


ko 


Ci 


CO 


iC 


CO 


CO 


t- 


CM 




-< 


o 


t^ 


X 


CO 


CO 


1 CO 


so 


lO 


CO 


Ci 


o 


CO 


1— 




















l-H 




o 




























. 


























s. 


on 

OB 




o 


CO 


M 


lO 


>* 


xo 


Tf 


CM 


1~ 


oo 


r-- 


Q 


OS 


c: 


CO 


CD 


CO 


i co 


Ci 


l~ 


CO 


OS 


Ci 


00 


O 


m 


























to 






















































H 

a 


K5 

3D 
QB 

IN 


co 


Ci 


o 


"* 




© 


,_, 


CO 


f^ 


CO 


tN 


CM 


H 

O 

u 


OS 


CO 


Ci 


CO 


Ci 


1 t- 


Ci 


ICO 


CO 


Ci 


o 


OO 






















'- , 




e 


GO 


■ - 


r-~ 


OS 




CM 


CO 


CO 


Ci 


00 


f— 


'f 




QC 


Ci 


OS 


CO 


I— 


J~- 


1 l~ 


CO 


ta 


CO 


CO 


o 


o 




/ 




























H 


























OB 


-* 


Tt< 


t^ 


— 1 


x~~- 


CO 


CO 


co 




00 


o 


>o 




os 


•— ' 


CO 


CO 


CC 


1 t^ 


Oi 


l~ 


Ci 


oo 


1— c 


© 






■""' 


















1— 1 


1— 1 


. 










1 


















QB 


CM 


o 


ira 


.-H 


CO 


Ci 


CO 


co 


8 


,_, 


<HH 


CM 




t 

m 

M 


Ci 


OS 


Ci 


t^ 


CO 


1 r- 


Ci 


»T3 


o ■ 


o 


CM 






















t— c 


1— 1 


1— ( 



6 




Ci 


t^ 


lO 


o 


Ci 


lO 




CO 


CO 


Ci 


IC 


OS 


CM 


CM 


S3 




Ci 


Ci 


Ci 


t^ 


oo 


00 




00 


Ci 


o 


Ci 


o 


1— ' 


-<r 


Pn 


























1—1 


1— 1 


t-H 








++ 



























* 




00 


CM 


CM 


CO 


llO 


CO 




Ol 


■* 


h- 


Ci 


CO 


t^ 


^H 


0Q 




t~- 


o 


oo 


t-H 


—1 


CM 




Ci 


CM 


r^- 


CO 


Ci 


1—1 


oo 


o 




-* 


CO 


CM 


»o 


-* 


o 




lO 


CO 


t-H 


00 


o 


t^ 


1— 1 


































a 






1— ( 


-^ 


r— 


iO 


o 




■^ 


>c 




o 


co 


1—1 


■* 


<u 




CO 


Ci 


o 


CO 


>o 


CM 




00 


t^ 


OS 




»o 


t^ 


t^ 


& 




CM 




»o 


o 


CM 


CO 




oo 




oo 


CO 


IC 


CM 


CO 






€^= 










^ 




m> 






»o 




















۩= 
























+- 




















>-o-l 






■•-» 




lO 


1—1 


■* 


CM 


oo 


o 




1—1 


Tt< 


-* 


co 


CO 


iO 


Ci 


c 




CM 


^1 


■* 


h- 


o 


OS 




1— 1 


I— 1 


o 


Ci 


00 


CO 


co 


3 . 






I— 1 


o 


»o 


00 


^H 




o 


o 


t^ 


CO 


Ci 


t^. 


t^ 


































a £ 




00 


<—> 


o 


CM 


c 


CO 




t^ 


-* 


o 


CO 


CM 


CO 


o 




t^ 


-* 


o 


l^ 


t^ 


CO 




oo 


I— 1 


o 


1—1 


ICO 


1— 1 


CM 


"3 £ 




Tt< 


•>*< 


Ci 


CM 


o 


CO 




t^ 


OS 


w? 


1—t 


o 


CO 


CO 


































s c 




CO 


Ci 


CM 


CO 


oo 


© 




CO 


t^ 


r-H 


o 


1-^ 


TJH 


t^ 


as i-i 




CM 




o 


t^ 


CM 


Ci 




o 




o 


Oi 


ICO 


CM 


T« 


V 




'"/.' 














1— < 




1— < 


»o 








2 














€fr 




€&■ 






























co 


















CO 














w 


















w 














H 
















^ 


M 






























y- 
















(/J 
















< 
















A 
















'— 


o 
o 














a 
3 
















o 
















H 
















o 


co 

F 














o 
















Em 
o 

w 

< 


H 
H 
co 

t> 

s 
o 

< 

CO 


• 


^r 


3 

s 

CO 


*3 

3 
3 

TO 


. 


• 


o 

co 

w 

>-^ 

< 


. 


cc! 

— 

CU 

3 
a> 

o 


"3 

3 

3 

•—I 


• 


. 


. 


. 




1 
-• 




o 


cu 


c 
as 

to 

B 

w 

cu 


a 




(h 




<-> 


■t-l 












CO 

t-l 

CJ 


1— 1 

c 

o 
•-s 


CO 

3 

.a 
o 

/. 

CO 

ad 

2 


4-> 


o 
H 


o 

o 


at? 

3 

4-1 


3 

£3 

o 
cu 

3 
3 

o 
o 


3 

CJ 

a> 
3 

3 

o 
o 


03 

3 

cr 

w 


at 

'£ 

c3 

1 
o 


e 

o 

w 


3 

B 

■*-> 

as 

3 
08 

a 



IXSFKAXCE COMMISSIONER. 



xlvii 



i— ' i— i cm 



BQ 


r 




-» 


O 


t-~ 


•^ 


o 


— 


O 


© 


>o 


CO 


>~ 




B 


ifi 


CO 




X 


30 


■>- 


? 1 


l - 


•— 


— ' 


CO 


s 


CI 








~ 








•"* 




*" H 


1-1 


^ 


i— c 


~ 


>r 


SO 


r— 


~h 


■M. 


r-~ 


:~ 


6N 


© 


© 


© 


-** 


'O 


■M 




• - 


i - 


~i 


X 


00 


i - 


— < 


r - 


© 




1—1 


o 



— ■ «o ^h © 



_l t— I CM •— ' 





CM 


co 

CM 


© 


© 

© 


© 
CM 


■—1 
© 


© 


© 


© 


GO 


© 


CO 
CM 


- 

CN 


© 

© 


CM 

© 


© 


■— i 


i— i 




— i 


—' 




rH 








i— i 


, " H 


CM 


l-H 


i— i 


i — » 



O T* 

ua r. 

*— CO 



X 

X 

so 



© 

©" 

© 



DO 
-M 

oa 



00 

DO 



C 
X 
SO 



CN 

CM 






re 
— 
CO 

©~ 



iO 


CO 


oo 


oo 




oa 






f^ 


— 


CM 


■»* 


© 


© 






T 


CO 




CN 




O 



<M 


00 


r^ 


<M 


CO 


© 


© 


CM 


Tt« 








© 


Tf 


CM 


CO 


Tf 


© 


»o 


f~ 


Tt< 








c 


t~- 


1^ 


CO 


►o 


00 




•"*" 


>-H 



© 


t^ 


*a 


CO 


© 


CO 


© 


CO 


CO 


co 


<* 


>o 


© 


© 


-H 


t-~ 


© 


CO 




CN 


© 


1— < 


t^ 


IO 




© 


i-H 




















© 


co 


00 


© 


l-H 


l~ 


© 


.— 1 


lO 


t— 1 


00 


o 


© 


© 


CO 


t^ 




r-~ 


© 


oa 


© 


00 


© 


CN 


>- 


01 


CO 




















h- 


»o 


CO 


© 


oo 


CM 


■f 


00 


CO 


© 


ITS 


■^4 


CN 


CM 




T* 


oo 
of 


of 



•^ 



os w 



O -3 



XI o 



= 




— 


'. 


= 


V 


l-H 


a 






o 


■ 


— 


a 


— ' 


— ■ 


C: 


~ 


» 








/. 


/. 


= 


p 


1) 


— 


— 


p 


y. 


i— i 


I 


a> 


B 


— 


— 


— < 



H "H 



72 f 

OJ jH 



a j) 



3 

a 
s a 



CO 



3 W - 

2 -? __ , eS 



I I 



a3 

z 





3 




3 


to 


. 


a 


. 


<3 


a 




_« 


M 


CD 


> 




Sh 


e3 

3 

*3 


^ 


CO 


.M 


to 




-i-s 


Sh 
O 


CD 


3 


a 


rH 


£ 


s 


CO 


£> 

T3 




"Sh 

o 


3 

= 


> 
O 


O 


£ 


fe 


- 


PM 


Pi 



3 CD 



— .-. CD 

> 

OS 



'3 

P 



"3 



P> 



o 


CO 






en 


oj 


c 


-4-3 

O 


^ 


-H 


CO 




cS 




^ 





T5 

3 
c5 

?H 

o 



o »-i 



xlviii 



KKPORT OF THE 



- 


• 


U9MS 


IT 


Tl 


iT 


CO 


x^. 


SO 


iC5 


co 


CM 


X 


— 


OS 


_ 


_ 


co 




>T 


co 


s 


i— • 


^* 


z: 


CN 


to 


»» 


o 


- 




O 


t— ' 


CS 


- 
- 
co 


BJB8A a.\i^ aqi 


— 


i— i 


— 


— 


PH 


CN 


— 


p- 


p^ 


Ol 




p- 


p- 


r- 




joj 98«J9A'V 
































/ 


































P-I 




































































- 
O 


. 


• 


kfi 


IT 


■>* 


00 


o 


CO 


o 


i^ 


t^ 


X 




iT 


co 


»re 


CO 


o 


Kt 


"O 


oc 


t^ 


•— ■ 


co 


o 


-" 


CO 


-*• 


o 


X 


irr 




c 


-- 


i 5 


r 
oo 


■- 1 


r - 


— 


— 


— 


CM 


— 


— 


— 


Tl 




~ 


-- 


>-" 




- 


2 


M 
































< 


; 

s. 


































55 

<5 




































r^. 


00 


Tl 




00 


Ci 


~l 


1^ 


CN 


Tl 


r^ 


iT 


>* 


- j - 


CM 


Z 


e 


— 


i.T 


CS 


o 


Ol 


CO 


CN 


»o 


iT 


O 


03 


co 


Tl 


CO 


X 


H 




OB 
































— 


<; 


a 
































<\ 


SB 


p* 
































O 


- 


































H 


































co 




• 


r^ 


co 


CS 


CO 


t^ 


^ 


CO 


co 


Tt< 


l^ 


-*i 


o 


Tl 


f— 1 


t— ' 


H 




n 


it 


CO 


00 


CN 


o 


o 


o 


cs 


iT 


o 


~ 


t— 


OS 


f— 1 


o 


co 

CO 


75 


90 
OB 


^ 


~~ 


1—1 


^ 


■- 1 


CN 


1—1 


>— 1 


p-i 


CN 




~ 




~ 


^ 


O 


i o 


FN 
































^ 


pj 

o 


































fc 


































O 


1 H 

B 


• 


o 


co 


os 


^-i 


00 


CO 


CO 


t— 


O 


Ol 


CN 


M 


OS 


OO 


cs 


a 


CO 


t^ 


00 


M 


CN 


T— ' 


CO 


CO 


. co 


CN 


O 


l^ 


OS 


o 


CO 


CO 


00 


,._, 


























,_ 







55 

< 

fa 
O 


00 

p* 
































&H 


































W 


o 


, 


*o 


CO 


pH 


CO 


Tf 


=p 


— « 


Ti 


o 


— ■ 


00 


P-I 


o 


t-* 


CO 


99 


-* 


IT 


CC 


■— i 


OS 


— 


CN 


co 


i_T 


o 


00 


T? 


cs 


p-l 


c. 


p» 

H 


< 


00 
00 
p* 


1— 1 


P-I 


p-3 


pH 




CN 


i— < 


r— 1 


i-^ 


CN 




p^ 




p- 




W 
































tf 


































o 


































fe 


•89IOIJOJ 


CO 


•-* 


>o 


-H 


o 


t^ 


l^. 


CO 


iT 


CO 


<* 


CS 


CS 


oc 


c 






CO 


Tj< 


irti 


o 


^H 


o 


pH 


CN 


CO 


CS 


00 


iO 


cc 


•—' 


OS 


o 


jo jaqumji 




1— 1 


i— i 


1— < 


|H 


CN 


^-i 


p-< 


p-i 


1— 1 




- 1 




— 




H 


uvotuojoi;bji 


































. 





































































C5 




CO 


CS 


■**< 


CO 


I— ( 


Th 


»o 


CO 


CO 


>o 


00 


o 


•* 


CO 


CO 


CO 




1 — 1 


CO 


OS 


h- 


CO 


o 


CO 


oo 


CO 


o 


>* 


cs 


l>» 


CO 


o 


fe 


i— l 


s 


<M 


*o 


iT 


O 


<o 


as 


CO 


t^ 


CO 


OS 


00 


p-C 


CN 


-* 


CS 


































< 


55 


3 


-* 


o 


OS 


»-H 


o 


CN 


o 


CO 


CO 


co 


CS 


h~ 


— 


00 


o 




o 


o 


OS 


00 


oo 


CO 


O 




IO 


o 


CO 


o 


CO 




P-I 


TP 


as 


33 


a 


CD 


*■*, 


t— 


•"J, 


CN 


CO 


OS 


CO 


CO 


OS 


CO 


CO 


CN 


CO 


oo 


00 

oo 




< 




f— 1 


CM 


i.O 




CO 






P-I 












P-H 


T— 1 


P 


































PS 






































3 

a 

3 


t^. 


oo 


t^ 


»— J 


IO 


OS 


CO 


CO 


T* 


CO 


o 


o 


00 


CN 


o 


a 




r^ 


0<l 


CO 




t— 1 


-*t< 


CO 


CO 


CN 


•o 




00 


CO 




CN 


CO 


CS 


Tf 


1— 1 


CO 


CO 


1— ( 


OS 


CO 


1— I 


CN 




CN 


t^ 


H 


< 


(M 






r-( 
























H 


o 


5 






































































































•gsaiijsna 


CO 


■tr- 


iO 


»o 


>o 


CO 


r^ 


cs 


o 


o 


o 


o 


P-I 


p-i 


00 




■* 


Tf 


■* 


-H 


"*l 


Tf< 


-f 


5* 


•o 


■o 


iT 


iT 


iT 


iO 


iO 


paoTiararaoo 


oc 


oo 


oo 


OO 


oo 


CO 


00 


00 


00 


00 


CO 


CO 


OO 


CO 


CO 


i— i 


































3 


































u 


































ft 


































H 


































H 


































-11 


































w 


































Q 


* 
































PQ 


































CO 


S 
































- 


































M 


o 


• 


p 
























,_r 


„ 


5 


h 




s 
























03 

S 

4-9 

P 
«— 1 
P*. 


3 


U 
1 


O 
H 

s 


• 


5 


*i 


• 


• 


"3 


• 


• 


• 


• 




• 


• 


B 

-*— 

B 
2 


1 

W 

w 

M 

5 


"3 

B 

-*- 

a 


•a 

a 

bC 

c 

W 
| 

o 


a 

a 

o 

PS 

"5 


M 

o 

CJ 


"3 

p 

p 

2 

ci 


1 

•4-1 

CD 

c 
p 
o 
o 


*e2 

3 

s 

c 
c 
a> 


a 

a 

-4-J 
P 

a 
o 

'c 


of 

p 


p 

-a 

p 

OS 


3 

p 
.o 

at 


o 

s 

s 

B 


ptt 

p4 


o 

CO 

pO 

o 

03 

CO 
CO 

03 


£ 

CJ 

pt 

-a 

"C 
o 


H 






S 


£ 


s 


y 


OS 


P 




fc 


& 


CQ 


a 


-5 



INSURANCE COMMISSIONER. 



xlix 



CO 




X 


— 


S 


r^ 


© 


ti 


© 


© 


>ra 




n 


— 


:r 


iO 




— ' 


oo 


CM 


© 


oo 


1 


i— i 


-H 


>— 1 


— i 


— i 




T— 1 




CM 


•—I 






r 


— 




x 


99 


© 


:r 


— 


t- 


q 


IO 




Tl 


1 - 


" 


*— < 


ti 


C"5 


CO 


t - 


— 


Tl 


© 


1 


















»— t 








<— " 


© 


o 


X 


© 


O 


«* 


—< 


,. 


t— 


^ 




:? 


"? 


J 


T 


CO 


' •—• 


© 


z 


-M 


i— i 


CO 


1 




"N 


© 


». 


X 


00 


© 


00 


CO 


00 


© 




">\ 


ua 


■*r" 


5 i 


;? 




© 




© 


CO 


00 


1 




i— i 




.—1 










CM 


pH 






© 






U3 


© 




__ 


co 


>o 


© 


r— 1 




CO 


»o 


10 




— ■ 




© 


© 


00 
CM 


CO 


CO 


1 


C 


EC 




o 


iO 


X 


O 


■— i 


M 






CM 


►h 




CO 




oo 


oo 


1 — ' 


CO 


— • 


*™ ' 


— ' 


CO 


^M 






f— 1 


•— 








TI 








iO 


CD 


-* 


a: 


r 


X 


© 


© 


co 


© 


.— > 


— 


O 


"^ 


co 




— 


© 


oo 


t-- 


CO 
CM 


1—1 


1— 1 


i—i 


r^ 


OS 




■* 


oo 


CO 


oo 


t— 


© 


© 


1* 


zc 


04 


eo 


■f 




00 


IG 


© 






© 


CM 




03 


o 




i— i 


© 


00 


© 


— 


00 


zc 




•— < 


























»o 


© 


so 


T* 


IG 


t— 


© 


© 


-* 


tj< 


CM 




sc 


Tf< 


co 


o 


t^ 


r^. 


© 


— 


00 


CM 


CM 


© 


i-^ 


00 


M 


CO 


I— I 


CO 




o 






© 


© 
























CO 




* 






* 








* 








«0 


oo 


O 


t- 


© 


CO 


CO 


oo 


oo 


O 


© 


© 


l~ 


■M 


© 


co 


00 




o 


© 


t^ 


CO 


«3 


© 


© 


Tf 


• — i 


CM 




CM 




1— 1 






i— i 


CO 


*-^ 






















CM 

i — « 


© 


o 


o 


© 


CM 


;# 


IC 


ira 


© 


© 


ifi 




o 


CO 


© 


co 


© 


co 


© 


CO 


© 


© 


r^ 




00 


00 


oo 


oo 


00 


00 


oo 


oo 


00 


oo 


00 


















+-T 
























CO 










• 


. 


. 


• 


7 


• 


. 


3 


. 


. 


. 


i 










2 




- 


H 


















*j 




03 


T3 


















2 




cu 

c 



e3 






to 

c 




• 


• 


• 


q 

o 


o 

o 


■ 


o 

s 


3 


03 


• 


a 


• 


a> 


c5 




— 


c 


CO 

> 


CJ 


















CD 


o3 




e 


o 

a* 
p 




- 


c3 


'3 
ft 


o3 

S 


s 

o 


.5 
2 

CO 


W 


CJ 

c 




- 
o 

s 


CD 


O 




03 


^3 
O 
i-s 


c3 

Si 


o 
O 


p 




o 


O 
S-t 





KKPORT OF THE 



6 

Q 
- 

- 



CO 

- 

— 

o 

r 
PH 

o 

H 

D 
O 






/ 


09 


«sj 


C 




/ 


M 


a 


W 


— ■ 


— 


03 


f. 




D 


— 


£ 


~ 


M 


O 


— 


M 


H 


ff) 


£ 










E9 


O 


B 


oo 




oo 





i—i 


B 






fe 


o 


i— i 







>o 





co 


m 




fc 


— 1 
sa 


t—i 


«— 


<l 


DO 


O 


J3 




H 


Q 


I 


fc 


1 


«4 


w 


Q 


H 



W 


fc 


H 




-0 




fc 




— 




u 




« 




cs 




U5 




h 




*•* 




— 








- 




D 




CO 




co 




1— 1 




CO 




a 




>— i 




o 




>-H 




iJ 




o 




Pn 





- 
- 

H 







* 


















+- 






co 


00 


co 


CO 


© 


!>■ 


d 


0C 


— ' 


CO 


1^ 


1— 1 




EC 


CO 


o 


O 


CO 


cc 




cc 


On 


co 


CO 


r^. 




-- 


CN 


i.-r 


Ci 


— 


o 


h- 


CN 


tj< 


CD 


CO 
































— 


■<* 


o 


■* 


X 




OS 


OO 


o 


CO 




ce 




i ~ 


r— 1 


CN 


.- 


1- 


-N 


cc 


UO 


CO 


>— i 


iO 


1- 


•z. 


o 


i.O 


co 


c* 


— 


CO 


CO 




1 - 


o 


CM 


r 


o 
S 


























l~ 


a 


co 


oc 


o 


o 


o 


00 






CO 


i- 


CN 




IQ 


1^ 


co 


S 






l~ 


CO 


l~ 


CN 


"■ 


•» 










CN 


<» 






co 








— 


t^ 


CO 


cc 


1^ 


o 


*o 


1^ 


o 


CO 


■* 


CN 


9 




cc 


CN 


Ci 


o 


co 


oo 


oc 


M 


co 


■* 


Ol 


T*< 


co 


CO 


o 


o 


*c 


a 


1— 1 


CC 


CO 


T* 


i— 


























£ 


c 


1~ 


Q 


i- 


l-~ 


— 


o 


co 


co 


o 


o 


CQ 




f— ' 




CN 


CN 


1— t 


i- 


t^ 




CO 


t^ 


CO 


i-^ 


fe 





























^ 


>< 


< 


y 


pK 


< 




cu 


c 


Sq 


o 


o 




O 


cc 



>o 


■*» 


Ci 


CN 


r^ 


Ci 


I— c 


CO 


CO 


1—1 


Ci 


co 










CO 


OS 


OS 


CO 


>o 


■^1 


co 


CC 




T—t 


oc 


co 










CO 




CO 


»o 


#? 








Ci 


o 


Ci 


I— 1 


lO 


l-~ 


IC 


a 



CO 


CN 


tH 


ec 


CO 


ua 


1—1 


CN 


■* 


a 


o 


r^ 


CN 


CO 


00 


CO 


«o 


CN 














oo 


CO 


lO 


CO 


CO 


— 


co 


CN 


co 


o 


00 


M< 


1^ 


CO 


CN 


t^ 


CN 


CO 














CO 




CO 


lO 


CN 




m 










CN 



m 



IO t^ O 

cr i~ a 

cO_ t^- lO; 

r-T oT 



•- 
- 



CN 
cc 



CO 

co 



CO 

■■/. 



Ci 
CO 

"^ 

i-T iq" ^-T 



lO 

CO 

c 



C35 

C 



o 



•^ t~». a a 

co oo ■* ia 

l— CO T^ t^- 



2 "3 

tS = 



CO 


oo 


<— i 


o 


t^ 


o<i 


1—1 


rf< 


00 


■* 


OC 


r^ 


-* 


kQ 


kQ 


i~ 


Ci 


CO 














l~ 


oo 


r— 


o 


co 


o 


CO 


oo 


r^ 


o 


cr: 


co 


l^ 


— 


CO 


GO 


CO 


I— 



co r^ 

CO OS 

CN -^ 



co c; 

c o 

CN CO 



M* 


CO 


co 


o 


o 


o 


r^- 


co 


CN 


cc 


CO 


CO 


CN 


uo 


CO 


i-O 


1—1 


CN 














T*< 


<* 


oc 


CO 


o 


CO 


CO 




r-» 


CO 


IC 


co 


cc 


o 


00 


"<»< 


co 


CO 



^ 



O CN 
CO CO 
t^ GO 



cc 
CN 



CN !-H 
CN l>- 

CC l-O 



o 


l—< 


T* 


O 


t^ 


C<l 


Ci 


I— 1 


o 


o 


CO 


o 


CO 




CN 


r-H 


















a 


CO 


CO 


■* 


b- 


— 


a 


o 


iO 


CO 


-«* 


CO 


CO 


HO 


CN 


CN 


o 


h- 














o 


I — 1 


Ci 


i . 


o 


co 


O-l 






l^ 


t— 1 




^ 












CO 


Ci 


CO 


-^ 


iO 


o 


CO 


CN 


W3 


00 


CN 


oc 


Ci 


CO 


-* 


CO 


00 


*— 



CJ Jf 



m 



c 





to 


r: 


~ 


c 


w 


o 

C3 


W 





w 


> 


o 


i— < 





S o 



X 



C 



c 



p 

CD 




c3 

a 
- 



a a 



eg 

B 



tl 


o 


a 


a 


p 


c 


o 


o 


o 


U 



a 
cr 
W 



o 

e 



CD 

E 

c 

W 



INSURANCE COMMISSIONER. 



li 



EC 
© 


+ 4 

ft 1 


r— 


■^1 


t 


o 




o 


CO 


00 


© 


© 


CN 


00 


tH 


^i 


CO 


3j 


00 






1 - 


CN 


00 


CD 


o 


-^ 


© 


r^ 


CN 


CN 


co 


© 


•o 


co^ 


©_ 


0» 

i— i 




c? 


cd" 


CN. 

— " 


co" 


CO^ 

— ' 


°1 


1^ 


©" 


©~ 


t^ 


co 


x 


co 


r— 




o 


o 


CO 




IC 


t^ 


© 


CO 


t^ 


© 


© 




•—• 


°i 


OO 


© 


l^ 


© 


"^ 


© 


00^ 




o\ 


CN. 


-* 


-+^ 


CO 


co^ 


r-- 


^_J" 


rr 


iq 


oP 


oc" 


«o 


of 


OS 


1—1 


o" 


**T 


1 -' 


©" 


cn" 


CO 


-n 


•*" 


>~ 






CC 

■—i 


CO 


o 


o 

CN 


1 - 


t^ 


CD 


■n* 


CN 


CO 




"* 


© 
co_ 

cT 

■■/. 


© 
©^ 

co" 


— 




Tf« 


r- 


■^ 


1—1 




00 


CO 


Ol 


i - 


CO 


© 


>ra 


00 


m 


^H 


oo 


^■1 




CN 


CN 


QO 


CN 


o 


o 


>o 


— 


r— 


1 — 


t- 


CN 


r^. 


© 


1— ' 


BQ 


© 


:r_ 


00_ 


CO 


co 


-r_ 


^1 


1 - 


— 


00_ 


00_ 


©_ 


©^ 


©^ 


© 


00 


5© 


rp 


•— 1 


oo" 


r" 


-"" 




co" 


'-' 


cT 


— ' 


eo" 


co" 




© 


-V 






00 
f— 1 


CO 






oo 


CO 


Ol 




CN 


1—1 






CN 


Ol 

©^ 

1—1 


© 
© 




M 




00 


1—1 


00 


iG 


CN 


00 


CN 


CN 


00 


© 


iG 


© 


© 


«^ 


CN 






o 


- 


CO 


© 


co 


Ci 


1 - 


CI 


00 


© 


© 


i- 


© 


© 


© 


CN 


i—" 


oo" 


CO 

co" 




»o" 




CO 

co" 


<m" 


i— i 


»o 
©" 


©_ 

©" 


©_ 

©* 


co 


CN 


©^ 

CO 


1^ 

©" 


co 


GO 


00 




IO 




r 


Ci 






•+• 


© 


t-- 


t~- 


CN 


IG 


1 - 


CO 


| 


1 - 


»"* 


"*~ 


1 - 


oq_ 


o 


00^ 


09 


s 


00 


eo 


— 


CD 


co_ 


CO 


t^T 




CO 

00 




co" 


>c" 


CN 


o" 

1—1 


r- 


o" 


co" 




■<**" 




co" 


oP 

•o 

CO 

^1 


1 - 

co 


i- 


_ 


— 


CO 


■* 


o 


a 


-* 


O 


Ci 


© 


>o 


— 


1 - 


IC 


l~ 


t - 






■M 


l-~ 


1 - 


i - 


o 


Ci 


r- 


Ci 


co 


— 


© 


© 


ua 


© 


00 


<D 


1 


°°« 


co^ 




"^ 




CO 


CO 


00 


CO 


I— 1 


CO 


oa 


i^ 


1—1 


© 




































«n 




BO 
CN 


co" 




©" 

CN 


^ 


rf 


cn" 


CN 


1—1 




i—i 






© 


•— 1 


00 


1 - 


IT 


— 


= 


CO 


CO 


tl 


o 


'~ 


t - 


1—1 


sc 


© 


r- 


CN 


r^ 


►o 


1*3 


ic- 


© 


«c 


CN 


— < 


o 




t^ 


CO 


© 


i- 


i - 


i ~ 


oa 


© 


1~ 


!*• 


es 




i- 


CO 


Tf 


co 


ic 


CN 


1- 




it 


CO 


Tl 


CO 


© 




































ua 






CO 


r~ 


CO 


o 




CO 


© 


OO 


■«* 


— 


cc 


rH 


r-~ 


F— 1 


ic 


Sa 


t^ 


© 


OO 


O 


sa 


CI 


IO 


co 


Ifl 




— 


-f 




CO 


00 


i-- 


CO 




©_ 


CN^ 


— <^ 


CO 


1- 


Tfl 


CN 


© 


1- 


X 


r<- 


© 


i—i 


Tt< 




































o» 




00 

© 


re" 

I— 1 


co" 


icT 


CN 


t^ 


>T5" 


Ci 


1- 


•* 


Tf 




1 - 


IO 

© 

CO 

m 


© 
oo 

CO 


»o 


-M 


r 


1—1 


o 


© 


>C 


CD 


CO 


>~ 


© 


CO 


co 


co 


-" 


CO 


CN 


Tf 


O 


•— 1 


(M 


t» 


CN 


■— i 


o 


CD 


© 


CN 


co 


'D 


oa 


© 


© 


IC 


©^ 


CO 


t-- 


1— 1 


t-. 


©_ 


CC_ 




l^ 


ua 


1—1 


•^1 


© 


CO 


co 


1- 


'V 




































r?" 




©~ 
CN 


LC 


N 


©" 

•— i 


t~^ 


co 




CN 


CN 


CN 


Ol 




DC 


IC 

I—I 


co 

CN 

i—i 




CN 


co 


lO 


r 


00 


o 


© 


CN 


h- 


IG 


r- 


1— 1 


© 


t^ 


© 


© 




1- 


so 


ic 


00 


co 


CO 


Q 


00 


Ci 


r^ 


© 


co 


■^ 


© 


CO 


IC 


CN 


© 


©^ 


cn^ 


c» 


©_ 


Tj^ 


© 


CO 


i—i 


CO 


r— < 


>o 


© 


1 ~ 


•"*> 


— 




































GO 


r-T 


op 


tC 




©" 


t-T 


00 


Ci" 


CN 


- 


CO 


ro 


« 


co 


co 


CN 


X 


t^ 


© 


•— i 


Tf 


1— < 


t^- 




CD 


t^ 


© 


© 


CN 


CN 


© 


© 


IC 


:? 


CI 


o» 


eN 


t^ 




t-^ 


Tt< 


CN 


i— i 


CO 


© 


• -: 


CN 


© 


■*» 


i—i 




































t-~ 




1-1 


ci 


CM 


1—1 


»— i 


CO 


PJ 


Ci 


CO 


IC 


© 


i—i 


© 


t— 


CO 


I— c 




< 2 


CN 


i— i 


to 


iG 


t— 1 


i—i 


i—i 












1— 1 


IC 


CN 


CN 


-* 


--fi 


■<*! 


oa 


<* 


c 


CO 


T* 


© 


CO 


t^ 


© 


© 


id 


© 


to 


Tf 


CO 


oa 


M< 


oa 


1— c 


© 


co 


© 


1- 


t^ 


CO 


© 


i—i 


r^ 


co 


© 


CN 


*c 


■* 


l> 


— 


O 


CO 


■^ 


■«* 


Tf< 


CO 


CO 


CO 


i—i 


00 


i.O 




































iO 




T* 

-* 


00 


■<*< 


© 
CO 


oa 


CD 


«* 


o 


CO 


CN 


CO 


CN 


lO 


CO 
O-l 
CN 


CO 
CN 


















co 














go" 
CD 




















p 














03 




















— 














-*-- 
















03 




H 














CQ 




• 


03 


• 


© 

CD 


' 


• 


O 

C 
u 


"el 


,T3 

ci 
cS 

3 


CO 

a 
'>■ 

03 






CD 
+3 




pT 


CD 

o 

Ci-l 

O 


DC? 

c3 
O 

4-> 


ct 

c3 
03 




"5 


n 

p— c 

03 


"el 

S3 


Si 

C 
>* 




s 


•u 

C 

eg 


-*-3 

c 

CD 

T3 


"oa 

CJ 


d 
.3 
'£ 


03 
CO 


c 
o 


o 

"5) 

c 


GO 

o 


T3 

C 
03 


,3 

a 

=3 


o 

-t-S 
CD 


— 

s 


3 

•4-1 

s 


o 


CD 


^3 

o 



CD 


o 


O 


*a3 
> 
03 

H 


CD 

"3 
P 


a 

u 

CD 
> 


3 

GO 

03 


H 


o 



a - 



lii 



KKPOKT OF TIIK 



— 
- 
H 
so 

- 

Q 
v- 



H 

Ph 
K 
O 

W 

t-f 

o 

cs 
o 



a 

- 



K 


p 


CJ 




fc 
5 


o 
o 


« 


^ 


13 


a 


t/> 


P> 




oj 




r/> 





0J 

> 


fc 


— 
at 


<J 


CO 

a> 




t- 


c» 




- 

— 


o 


I— i 


fcl 
o 


o 
Ph 


on 




B 


o 


O 






fc 


HH 


o 

t-H 


01 


H 


o 


<J 


« 


O 


o 


t-H 




t-H 


4= 


HH 


sa 


CO 


*a 


CO 


an 


■J 


IE 


o 


B 


1 


t-H 
1 


1 

6 


H 

:- 
o 


w 


fc 


hH 




P3 




«* 




H 













* 


















* 


* 


* 


* 




* 


*■ 










© 


CN 


C5 


00 


CM 


r^ 




vr 


r-H 




© 




© 


00 


CO 


iO 


1^ 


CN 








Tf» 


»o 


c; 


QO 


— 


-M 




t^ 


r^ 


1 


© 


OS 




00 


00 


CM 


CM 


1- 




B 




°i 


l~ 


00 


o_ 


o_ 


O^ 




Q0 


t-~ 




OO- 


— 


co_ 


CO 






©_ 












-' 


cr" 


o 


co" 


co 




cm" 


_T 




©" 


oc" 


cm" 


,_J 


co" 


I— t 


co" 






o 




CN 




"~ 


CO 




i - 




CN 






© 




I-H 


l-H 






© 




. 


CD 




€€► 






f-^ 




CM 




CM 






co 


CM 








© 


© 




00 

- 


-H 


M 


















••/.' 






<m" 




















r^ 


O 


h- 


cc 


•o 


tc 




f—t 


Ci 




© 


© 




— 


t-f 


CO 


CM 


© 






© 


c 


00 


1- 


CD 


-M 




CO 


o 


1 


-1 




1 


T 1 




•0 


It 


© 


03 


a 

3 




TO 


©_ 


co_ 


t^r 


»o 


BO 




00_ 


f-H 




©_ 


CN 




co^ 


co^ 


-* 





©_ 


M 




©" 


©* 


>T 


CO 


co" 


oo" 




h-T 


l~ 




l-H 


co" 




»o" 


of 


co" 


IO 


co" 


H 



O 




© 


o 


CO 


CM 


CM 


CO 




o 


CM 




CO 


CN 




r^ 


1- 


© 


OS 




a 




CO 

SB 


Tf 


I-H 


c-r 




— 






fH 




I-H 

co" 


CO 

I-H 




co_ 
co" 




I-H 


CO 




-: 
















■y.' 




l-H 






















< 




















€& 






















u 




t^. 


r^ 


1— 1 


r^ 


CO 


o 




— 


Ci 




© 


© 


CO 


CO 


© 


r^ 


r^ 


CN 




.o 




co 


o 


co 


o 




CM 




CN 


CO 


1 


CO 


'- 




O) 


-* 1 




1 - 






a 




CM 


CN 


CO 


Cn 




o 




"*1 






co_ 


iO 




© 






©^ 






B 














cm" 




oo" 






l-H 












CO 






fc 
















































•o 


CO 


»» 


i—i 


■^ 


f— c 




f-H 


CM 


t^ 


r^ 


© 


© 


© 


© 


CN 


© 


r-H 








© 


o 


o 


CO 


o 


«* 




l^ 


00 


f-H 


^ 


© 


f-H 


1^ 


CM 


— 


■ ~ 


© 




• 




1~ 


*o 


00 


a 


CO 


— 




o 


o 


icn 


CO 


© 


©^ 


co^ 


"•* 


o> 


°1 


©. 




<D 










































> 




© 


o 


CO 


co 


CM 


o 




Ci 


Ci 


l-H 


CO 


t--f 


-*" 


co" 


© 


— 


co" 


•*" 




In 






1—1 


C-- 


o 


CO 






CO 


1 - 


Ci 


© 


© 


CO 




CM 


»>) 


CM 


r— 




M 




io 


t>» 


co 


CO 


i rz 


IC 




-^ 


CO 


t~ 


CO 


oc 


■^> 


co_ 




© 


CM 


00 














































V 




f-H 




CM 


CO 


CM 


CO 




f-H 




-* 


tC 


o 


I-H 


r-H 




l~ 


© 


I-H 


03 




<3§= 










l-H 




l-H 






l-H 










CN 






O 

3 
















۩- 




<& 






















o 

Ph 






o 


CO 


,_, 


o 


CO 


CO 




CO 


CO 


CO 


co 


•* 


© 


© 


^^ 


CN 


© 


© 








CM 


1- 


CO 


t- 


CO 


t-1 




o 


o 




© 


t^ 


Ci 


IO 


t^ 


© 


© 


OS 


H 






o 


<M 


•o 


f— ( 




I— t 




CO 


co 


"* 


o 


©_ 


©_ 


00^ 


t^ 


t^ 


CD^ 


l~- 


55 












































^ 




© 


CO 


1— 


CM 


CO 


l>. 




lO 


-*" 


cm" 


i>r 


of 


©" 


cm" 


CO 


t^ 


00" 


r-H 




3 




o 


«5 


o 


Ci 




t-- 




Ci 


oo 


CO 




— 




iO 


l-H 


CO 


CM 


CO 


£ 


O 




CO 


CM 


t-~ 


TJ< 




l-H 




r^ 


Ci 


Ci_ 


CO 


© 


CM^ 


CM 


l-H 


© 


t^ 


I-H 


a 








































O 
Q 




CO 


CO 


o 


i~ 


1— 1 


t^ 




Ci 


CM 


Ci" 


© 


© 


t^r 


06" 




CO 


©" 


CN 


<5 




& 




f-H 


■"*• 


CM 


00 




CO 






t^ 


CM 








© 


CO 


I-H 
















۩= 




۩= 






















pd 










































k4 




CO 


CO 


-* 


IC3 


r^ 


t^ 




o 


CO 


"* 


© 


-^ 


CO 


r^ 


"* 


r^ 


00 


CM 




a 




tO 


© 


TH 


CM 


OS 


f-H 




Ci 


l-H 


CD 


1~ 


CO 


CD 


© 


CO 


© 


© 


Tf 






00 


00 


CO 


00 


CO 


CO 




O 


CO 


Ci 


to 


© 


°i. 


CO 


I-H 


CO 


t^ 


CM 














































CM 


f-H 


-* 


lO 


t^ 


CM 




CO 


CN 


"*i 


f-H 


t"^ 


cm" 


CM 




© 


cm" 


© 




fc 










f-H 




CO 




CM 






CM 


l-H 








CO 


I-H 










CO 


o 


f-H 


■-H 


^1 


CM 




Ci 


iO 


CO 


© 


t^ 


t^. 


10 


© 


l-H 


© 


CO 








CO 


CO 


CO 


CM 


CO 


o 




00 


IC5 


Ci 


CM 


l~ 


>o 


© 


00 




© 


© 








•«f 


CN 


t^ 


CM 


o_ 


t^ 




I--. 


CO 


CO^ 


CM 


CO 


©_ 


CD^ 


t^ 


©^ 


CO. 


©. 




c3 










































>• 




CM 


io 


TjT 


IO 


oo" 


»o 




t^ 


CO 


r-H 


t^ 


co" 


© 


©" 


CO 


co" 


co" 


©" 




ii 




CO 


© 


Tj< 


-^ 


-* 


CO 




o 


Tt< 


o 


f-H 






© 


"*t 


00 


© 


■ft 




<y 




CO 


•O 


f-H 


CO 


CM 


CO 




t^ 


o 


CO 


"<S* 


°1 


00 


00 


© 


00 


TjH^ 


© 














































at 




CM 


I— ( 


t^ 


r-H 


CM 


""*" 




co" 


f-H 


CD 


>o 


t>r 


CO 


CO 




00 


-^<* 


CM 




Ph 




€©• 






f-H 




CM 




f-H 




">5* 


© 










© 


CO 




03 
















۩= 




۩= 


























O 


<M 


lO 


r~- 


CM 


CO 




o 


CO 


^ 


© 


CO 


iO 


CN 


-* 


r~- 


© 


CM 


o 






th 


CO 


ir? 


'O 


o 


CO 




1— t 


t-~ 


CO 


Tft 


CD 


«-. 


r^ 


© 


CO 


© 


Tfl 


_j 






OS 


© 


CM 


I-H 


l^ 


o 




CO 


»o 


o 


f-H 


t~- 


I-H 


co 


© 


f-H 


CM 


l^ 


c 










































*■> 




CO 


—h 


CO 


CD 


■* 


to 




CD 


oo 


r— 


CO 


© 


CM 


CO 


© 


00 


co 


CM 


Oh 






-■H 


tO 


co 


CO 


CO 


o 




CO 


TH 


o 


© 


00 


© 


© 


CM 




© 


00 


H 


3 




o 


00 


o 


Ci 


CO 


CM 




Ci 


o 


CO 


© 


CM 


©_ 


»o 


CO 


t^- 


© 


>o 


o 








































ta 


a 

< 




00 


>o 


T* 


o 


Ci 


00 




o 


\& 


r-H 


00 


CM 


©~ 


© 


CO 


© 


co 


© 


►3 




I— 1 




"f 


CO 




o 




»ra 




-HH 


■*t< 


CM 


CM 


CO 




© 


CM 


CM 




€©■ 










f-H 




m 




t-H 


m 










Tl" 


I-H 




















۩= 




























£ 

<v 

a 




© 


r-- 


r— 1 


T* 


CM 


CO 




CO 


o 


«o 


i-H 


i-H 


I-H 


-+• 


IO 


© 


CM 


© 






CO 


CO 


CM 


CO 


o 


Ci 




CO 


CO 


CO 


l>. 


CM 


»o 


© 


Tfl 


CO 


iO 


oc 






CO 


CM 


CO 


CO 


CO 


00^ 




TJH 


iO 


CO 


CM 


© 


I-H 


CO 


I-H 


©_ 


Tf 


<o 












































3 




t^ 


CO 


l~ 


o 


co 


Ci" 




CO 


CO 


00 


t^ 


l-H 


© 


-*■ 


CO 


to" 


tcr 


© 




fc 








f-H 


^ 




CO 




CO 




ITS 


i-H 


I-H 


i-H 


r-H 




Tf 

f-H 


rt< 






















co 




























M 














H 










































H 




























►h 














< 


























>> 


s 














H 


























Ph 

s 

O 














CO 


























S 


o 






f— r 




_ 




= 


























o 






ci 








H 




























o 


03 

H 
H 

W 

/ 


• 


• 


s 


C3 
3 
♦-> 

3 


• 


• 


O 

O 


• 


*ci 

i- 

o 
3 
Cy 


"5 

B 


1 












4— < 






9 

< 


P 

pd 
o 


• 


o 
o 
o 


'Si 

*-> 

o> 

V3 


3 


"3 


Q0 


BB 

W 

M 


• 


o 

*-> 
B 




• 


« 


• 


3* 




• 


CB 
cu 

3 



• 




A 


CO 


Id 

C/3 

at 


B 

K 

B 

o 


3 
Xi 
u 
■ 

VI 

U3 

?: 
>— < 
f*H 


5b 

3 

w 


a 

t-H 

m 

at 

•4-1 

■n 

CO 


1 

o 
H 


P< 
M 
c 


1 


o 

3 
3 

o 
o 


CJ 

cu 

3 
3 
O 

O 


ci" 

"5 
^-> 

'5 
cr 

W 


.2" 

c3 

s 

f- 





s 



>— 

l-H 


C3 

4— 

oS 

r3 
3 
03 

S3 


"0 




"5 

3 

>-H 

m 


« 

"33 

3 

■4-1 

3 

t-H 

s 


3 

.2 

"■4-> 

C3 



INSURANCE COMMISSIONER. 



liii 






* 


* 


* 


* 


* 


* 


* 




* 








— r— 








ba 


eo 


-f 


co 


© 


© 


eo 




t- i - 




O 


i S 


MS 


•^ 


CO 


ua 


t^ 


© 


eo 




~_ ©_ 


CO 






— 




1^ 


>~ 


r^ 


© 


© 




























CC~ tO 


CO 




h- 


© 


c 


© 


i—i 


-*• 


= 


i - 




52 Tl 


— 


t— 


© 


CO 


I—I 


1- 




'O 


■ — ' 




©_ 




•— i 


CO 




CO 


1— 1 






— 


r^ 




^* 


















©~ 


©" 




"* 


















W.* 


•—1 




© t- 


r 


© 


Ol 


© 


-M 


-M 


s 




4 


© 

© 
r 

©" 




2 ° 


CO 


© 


r- 


-.: 


ri 


1^ 


© 


i 








1 


Tl 


-r 


eo 


Ol 


X 


o^ 




©" 

i - 




Ol — 


r- 


— 


~ 


-M 


© 




^-i 






-* CO 




r - 


© 


r^. 


CO 


•—< 


oo 




— 






©_ ©_ 


co^ 




1- 


© 


CO 


CO 






























Ol 






N eo" 


1—1 




© 


■* 


eo 


t— 






Ol 










© 












ro 






-h X 


CO 


W 


r 


CO 


^ 


© 


© 




© 


© 




— i o 




Ol 


© 


ga 


Ol 


u5 


1- 


i 


co 


o 




O «Q 


t- 




>o 


1 — 1 


© 


© 


r-l 




•o 


l~ 




























h-T 










CO 


■—I 






— 
— 


© 

— 




oo © 


© 


© 


-* 


ira 


© 


~ 


, 


© 


© 


© 




co —i 


© 


Tj« 


eo 


eo 


© 


CO 


X 


>o 


«o 


© 




93 © 


I— 




- 


t- 


© 


t^ 


eo 


CO 


1^ 


Ol 




























r. r. 


*2 


a 


© 


© 


~l 


CO 


© 


co 


tc 


t— 




eo co 


© 


o 




© 


-1 




x 


© 


CO 


© 




•*< CO 


i— < 


CO 




r- 


I— « 


© 


i—i 


© 


CO 


cr 




























O CO 


Tj< 


Ol 




CO 


CO 






eo 


© 


eo 




CM 




1— 1 














CO 


iO 




eo co 


^ 


CO 


© 


CO 


^ 


© 


M 


t^ 


CO 


"^ 




co CD 




© 


tT 


© 


co 


— 


Ol 


r^ 




© 




CO CO 


co 






r^ 


CO 




© 




7~ 


© 




























-f CO 


— 


CO 


oi 


© 


•^f 


h-T 


eo 


© 


Ol 


© 




t— o 


oi 


© 


Ol 


i— * 


Ol 


-~ 


i^ 


iQ 


© 


t~ 




^- o 


1 3 


It 


I—I 


— 




r. 


co 


©^ 


t- 


00 




























-* r— 


~^ 






i—i 


— 


CO 




oT 


r- 


— 






Ol 


© 












Ol 


eo 


Ol 




i—i 


















© 


1- 




r— © 


CO 


-" 


l~ 


i—i 


CO 


CO 


^ 


X 


>o 


Ol 




CO CO 


CO 




eo 


i~ 


00 


CO 


© 


1^ 


iO 


r- 




co O 




CO 




© 


CO 


t^ 


iO 


CO 


CO 


© 




























<-> t~- 


© 


— 




© 


00 


— . 


1— 1 


© 


•o 


t- 




— — 




CO 














U0 
Ol 


CO 








o -*t< 


— 


© 


IC 


co 


© 


r>- 


CO 


^_ 


T* 


© 




-^ CO 


CO 


CO 


<M 


CO 


CO 


© 


© 


1— 1 


rf 


— 




© © 


© 


© 


© 




© 


CO 


eo 


-* 


00 


IO 




























t- © 




>~ 


-f 


© 


r— < 


Ol 


© 


CO 




© 




-O t- 


t^ 


© 


t-H 


«o 


o: 


CM 


CO 


co 




CO 




CO Tj« 


© 


CO 




TT 


eo 


O 




© 


CO 


00_ 




























b~ CO 


CO 


I— c 




iO 


CO 


Tt< 




»T 


t-T 


1— ' 




Tt< CO 


















CO 
CO 


Tt< 




r— co 


© 


-* 


© 


r— 


eo 


© 


1- 


(^ 


© 


>o 




CO -*f 


rf 


© 


CO 


CO 


iO 


© 


© 


■^ 


Ol 


© 




<— i lO 


T+4 


CO 


»o 


o 


»o 


■"i. 


CO 


t— 


©__ 


©^ 




























ic >o 


t— 


© 


— 


© 


© 


©" 


© 


o 


co" 


co" 




i—i —i 


CO 


eo 


t>- 


CO 


— 


t^ 




eo 




CO 




■«*< •* 


t~- 


CO 




CO 


■^ 


CO 


© 


CO 


CN 


T t. 




























© — 


>o 


t~ 




CO 


00 


© 




-<*« 


©" 


>* 




T* CO 


W3 






CO 




CO 




CO 


© 


1—1 




CO >— ' 


















co" 


co^ 

co" 




© CO 


t^ 


© 


t- 


CO 


•* 


© 


CO 


© 


t^ 


© 




CO CO 


lO 


CD 




© 


© 


t^ 


© 


o 


t^ 


t^ 




CO t— 


t^ 




1— 1 


<— 1 


t^ 




°i. 


t^ 




©^ 




























^ ° 


© 


CO 




o 


-*" 


© 


i— i 


©" 


© 


©" 




© CO 


CO 






I-* 




1— 1 




1— 1 


CO 


© 




'-' 


















t^ 


t^ 








*^ 














aa 










03 














CD 






. 


. 


3 


. 




. 


# 


9 


. 




# 








— 




















si 

3 




H 














00 








*d 


CO 












u 






New York, . 
Northwestern Mu 


*s3 

3 

3 

s 

s 


3 
S3 

3 
o 


tc 

a 
'> 

w 

c 
eg 


"co 
CD 

> 


3 
3 

3 


CD 

<o 

c3 

m 


o 

a 


3 

o 

— 

.s 

GO 


CD 

o 

o 

CO 

«3 
O 

H 


c»r 
o 

3 

S3 

o 




3 

P4 


o 

— 


o 

— 

PL, 


■— 


'S 

p 


'5 


•— 

> 


03 






' 





CO 




/ 




^ 


0) 


/ 




>-H 


■Jj 


CO 


= 


t> 


a 

OS 


pq 


60 


H 


^ 


-«J 


C3 








a 

t-H 


H 

CO 


* 


P 




» 





r^i oo 
© Leo 


CO 


oo 






© 




t- -v 


© 


Ol 










fc 


Ol 00 


>o 


© 


© © 


CO 


CO 




CO <— < 


© 


© 


B 


€©• 


icoT 


CO 


ii 






'•/.> 




en -f 


© 


Ol 




-- © 


Ol 






^« i^ 


© 


© 










a 


>o t~ 


© 


co 


3 


to "* 


Ol 


-r 


o 


eo © 


f 


I—I 


a 








© 


© 


CO 


-«! 


co 


© 


co 




19 


Ol 


Ol 








<& 




-f © 


CO 


CO 


9i 


© r^ 


f— 1 


»o 


CO Ol 


1—1 


© 










3 


© CO 


© 


1 h- 


S 


CO 


•<*< 


t^ 


v. 


CO 


00 


1—1 






1—1 


CO 


>> 


• • 


• 


• 


•& 








< 
































<£\ 








o 








o 


. 


. 


. 


fc, 








o 








a 


M ' 






a 
<< 


o 


3 
S3 




;z; 


3 S3 




"sj 




W c3 


o 




3 S 


o 

H 


H 




& % 










s 





liv 



KKPOKT OF THE 



fc 




O 




i— i 




H 




< 




* 




i— i 




% 




M 




a 




H 




a 




o 


1 . 








•/; 


a 


V 


a 


a 


o 


so 

— 




,a 








oS 


Pd 


— 


H 


■U 


£ 


a 




a 


r. 


i— i 


Ui 


<D 


oo 

GO 


T3 


H 


u 




a 






G 


*a 





(3 


s 


CO 


p 




« 


t 




o 






p 


JQ 


H 


9J 


f/) 




-* 




w 


A 


O 


1 


CW 


1 


a 


w 


•-( 


H 


u 


O 


1— ( 

1-1 


£ 


o 




Pm 





ffl 

H 







© 


o 


o 


© 


© 


© 


_! 


© 


© 


© 


IO 






o 


o 


l~ 


© 


© 


£ 


00 


© 


© 


r-H 


© 






'- 


2 


"** 


© 


© 


IO 


CM 


r-H 


l~ 


© 


© 




B 
3 
o 

a 
























ta 


© 


i~ 


CO 


© 


oo 


00 


IN. 


iO 


t^ 


© 


00 


1 - 


— 


Tl 


1—1 


r^ 


f 


•o 


oo 


CO 


© 


T* 


s 


>* 


co 


O 


1—1 


CO 


CO 


T*< 


CM 


© 


CO 


IN. 
























< 


< 






CO 


1— 1 




© 


co 






■^ 


I-H 


H 

: 












m 


€% 






CO 






Ci 


i- 


- 


ira 


'- 


>* 


IO 


© 


CM 


*—> 


kN- 


A 




->*< 


co 


CM 




co 


CO 


CM 


© 


CM 


CM 


oo 




6 


© 




oo 


CO 


^H 




© 


CM 


CM 


CO 


© 




A 




































<M 


i— r 






© 










o 


O 


CO 


CO 


T* 


© 


>o 


oo 


o 




CO 






© 


© 




1^ 


© 


00 


O0 


CO 


© 




-H 




a 


o 


© 


CO 


>* 


© 


© 


r— 


oo 


no 




oo 






















1 




. 


3 


© 


r^ 


sg 


© 


^H 


© 


© 


'- 


Tf 




00 


H 


o 


CM 


OS 


i~ 


© 


oc 


IO 


© 


iO 


© 




co 


- 


a 


<■/.> 




•b 


l-H 


f-H 


© 






t^ 




iO 


< 


< 












••/.< 


^ 










= 




























00 


r^ 


1 


CO 


1 


00 


CO 


t>- 


1 


1 


c. 




o 




i— i 








CM 


"* 


t— 1 






00 




M 




























<M 


i~- 


Q 


— 


s 


CO 


© 


■* 


© 


CM 


© 






© 


IO 


OO 


— 


© 


Tt< 


© 


oo 


© 


-* 


CO 






IQ 




00 


-* 


© 


© 


CO 


© 


•o 


l-H 
































3 


'O 


^< 


t^ 


©" 


00 


>o 


CO 


00 


© 


— 


"* 




3 


io 


CO 


If3 


iO 


Tf 


IO 


00 


© 


3 


© 


CM 




O 


r— I 


CM 


lb 


iO 


© 


l-H 


CM 


CO 


© 


Tt< 


tta 




3 
























H 


f— i 




CM 


1—1 




© 


■«»« 




CM 


IN. 


l-H 


0- 

< 
►h 


< 


$& 










۩= 


€& 






CO 





























iO 


Q 


CO 


Tt" 


, — 1 


CO 


© 


"* 


00 


© 


00 






■Q 


-*i 


■* 


>o 


IQ 


"* 


^f 


IO 


00 




CO 




6 


O 


i—i 


00 


■* 


CM 


CM 


00^ 


CO 


t^ 


©^ 


00 




25 












cm" 


r-H 






l-H 
l-H 










CO 


CO 


(M 


<— 1 


00 


© 


© 


CO 


© 


■* 


IN. 






CO 




o 


oo 


h- 


Tt< 


00 


r-H 


r-H 


■N- 


iO 




^j 


1—1 


00 


b- 


© 


iO 


N 


1— t 


IO 


©^ 


00 


IN. 




c 

3 

o 

a 
< 
























H 

H 




IN. 


© 


OO 


t>. 


© 


CO 


r-H 


r^ 


©" 


© 


CM 


CM 


o 


o 


t^ 


oo 


r-H 


© 


!>• 


oo 


© 


© 


■N- 


CM 


CM 


© 


© 


°i 


lO^ 




"* 


©^ 


IN. 


€& 




rS 


1— 1 




co" 






r-H 


oo" 




H 

OS 
M 
D 












^ 


89- 






l-H 






























TH 


•o 


o 


00 


© 


CO 


t- 


•^ 


© 


IO 


IN- 


CO 




O 


© 


CM 


© 


© 


iO 


iO 


t^ 


CO 


© 


IN. 




6 


CM 


■ — i 


iO 


Tf< 


CM 


©_ 


© 




iO 


°t 


CO 




fe 












i— r 








cm" 










© 


o 


o 


© 


© 


© 


l-H 


© 


© 


8 


CO 






iO 


o 


© 


>c 


© 


© 


r-H 


© 


© 


oo 




l * 


CM 


o 


00 


oo 


iO 


-* 


CM 


© 


© 


IO 


CO 
































O 


CM 


Tt* 


© 


I— ( 


IO 


I— 


■<f 


r-H 


00 


IN- 




3 
O 

a 


OO 


CO 


© 


l^. 


CO 


iO 


i-H 


t— 


r-H 


t^ 


l-H 


H 


& 


r— 1 


CM 


CO 




oo 


© 






© 




H 












€fr 


۩= 










PL| 


-< 




















































1— 1 


CO 


CT> 


© 


© 


CM 


iO 


IO 


CM 


■* 


© 




6 


■* 


IN- 


oo 


CO 


CO 


t>- 


© 


T*< 




CM 


CO 










1— 1 




co 


CM 






l-H 








1— ( 


•* 


co 


~cb _ 


© 


t^ 


© 


© 


© 


IN. 


CO 






oo 


in. 


CO 


© 


Tf< 


00 


«# 


CO 


r-H 


© 


© 




s 


■* 


CO 


CM 


l-H 


00 


CM 


t^ 


■* 


CM 


l-H 


IN- 


























tM 


3 


■^ 


00 


CO 


CO 


tH 


r^ 


Tji 


CM 


IO 


CM 


I-H 


H 


o 


© ' 


<M 


© 


t— 


IO 


Tt< 


© 


CO 


CO 


© 


IN. 




a 


m- 


1— 1 




CM 




© 


©^ 




© 


©_ 


CM 


M 

D 


-4 












€fr 


r-H 






l-H 




H 

-< 
















۩= 












© 


■N- 


© 


l-H 


t^ 


r-H 


t^ 


o 


t^ 


© 


CO 


s 


6 


CO 


1— < 


00 


CO 


CM 


CM 


CM 


CM 


t~» 


00 


■N- 






1— ( 




r-H 




^ 


© 




co 


CO 


l-H 


















i-H 
















-*l 


00 


CO 


© 


l-H 


IQ 


CO 


00 


"f 


kN- 


© 






IN- 


QO 


© 


© 


00 


r^ 


© 


© 


© 


CM 


© 




jj 


CM 


o 


■* 


iO 


© 


© 


© 


© 


© 


°i 


© 




e 

3 

o 

a 


























1—1 


o 


00 


© 


© 


IO 


CO 


© 


CM 


io" 


© 






t^ 


1—1 


© 


© 


© 


© 


© 


© 


© 


■*« 


H 

< 

Q 


CM 


r— < 


© 




CM 


"*► 


©_ 




co^ 


»^ 


00 


€©■ 






t— ( 




cm" 


r-H 

flfr 




co" 


© 






oc 


= 


CM 


00 


iO 


co 


■* 


CO 


© 


iO 


00 






oo 


OO 


CO 


h~ 


r-H 


© 


CO 


IO 


l-H 


h~ 


CM 




6 






CM 


CO 


r-H 


00 


© 




CO 


• ^ 


•** 




'A 


















l-H 


i-H 


















« 












M 


(0 




pj" 






w 












fe 
g 


O 

O 

CO 


• 


(3 

■C 

3 


p 

s 


• 


X 

H 

o 


B 

--> 

a 

o 




"3 

3 


• 


• 




3 




H 
H 




l-H 


s 




£ CO 


*-> 








W 
CO 




CO 

*-> 


73 


1 


O w 


3 








■H 


H 

9 

< 

A 


p 


o 


cu 


c 


"rt 


00 << 
W 2 

rx> i-i ■ 


*-> 


•>-> 








X 





CO 


ctf 


3 


3 


a 


■> 


^ 




o J" 

/ rd 

CO CO 

k-H M 

M 


c 

w 

C 
^3 
O 


(3 
□ 

■ 

CO 
C« 


to 
p 

w 


a 

B 


H g 1 

« r^ 


CJ 

o 
o 

a 
c 
o 
o 


o 
Zj 
a 

a 

a 

(3 

o 

o 


cu 

'13 
cr 

w 


03 

'5 

ccl 

1 

o 



INSURANCE COMMISSIONER. 



lv 



— 


i - 


— 


r ~ 


,- 




_ 


- 


— 


c 


— 


Q 


— 


— 


o 


X 




SO 




t - 
















- 
















— 










s 


•M 










— 




re 


-o 


X 














































i- 


DC) 


ei 




n 


X 


ei 


— 




03 


EC 


re 


ifi 


re 


•M 


oo 


— 


r- 






— 


■o 








- 


EC 




X 












X 








SB 


X 




X 


— 




ei 








OI 


ei 






re 








































■"*■ 




M 




Ol 


© 

re 






















X 

e-i 


CO 


© 


CO 




© 


»n 


o 


r. 


CO 


•*« 


■«*« 


— 


CO 


— i 


<M 


CN 


1 x 


cs 


1 - 






co 


© 




■- 


— 


X 


X 




•*»• 




•ri 






X 


- 




~ 




t>r 


1- 


X 


X 

to 


x_ 














•«• 


99 


1 ^o 


— ~ 


cr 


00 


— 


o 




Kt 




»o 


~ 


- 


o 


c 


CO 


o 


O 


- 


1 ■*• 


■* 


— 






i 




co 


r- 


•~ 


1- 


5 


- 


X 


— 


-. 


— 


Tl 


X 


•-T 


n 


o 


— 






X 


re 


■e 


- 


— 




~ 


•_ 


■ e 


M 




00 






































•»»• 


__ 


_^ 




1 


i-^ 


— 




•M 




ej 




; 




— 




9a 


oo 


X 


X 




— 




X 


GO 


X 




ri 


X 






— 






r ~- 


re 




«5 










~ 


<M 


-1 




— ■ 


r- 


X 


71 






1 ?L 
1 * 


ei_ 
0k 


1 


OJ 


^ — 


00 


1 


CI 


| 


1 


•* 


c 


1 


r^ 


so 


•C 


1 


CO 


-o 


— 








X 












S 




■ 


^- 






e> 


•"- 


_ 




""" ' 


• 


















CN 










I-- 


re 



- 

s 

>e 



» 

ei 



o 

of 



re E 
• e « 
i - 



- = 
EC ~ 



£ 

•e 



• e ei 
— — _ 



■e 

o 
o 



00 "? 

— X 

it Ol 



99 
09 

— 



o r. 
r — 
S 



x — 



99 

— 
x 



■s. — — — 




CO 


o 


U2 


CO 


OS 


- 


© 


- 


pH 




— 


r^. 




• e 


CO 


re 


-- 


:e 




■ e 


■»»« 






•*»" 


re 


r. 


r^ 


re 


— 




X 


•-- 


— 


ei 


ei 


■r 




© 


■ 


X 


e-i 


EC 


£ 


M 


re 


- 


r 


C 




t^ 






ei 


— 






































pa 


X 


0) 


■* 


re 


— 


— 


00 


X 


— 


X 




t^ 


. 




- 


ei 




r? 


t~» 


re 










ei 


X 


«e 




r~ 




ei 


r— 


s 




ei 




© 


f— ■ 


•o 




1 — 


■— 




a 


o 




ei 


— 


ei 




-' 


o 




^ 






at 


— 




W 


'~* 




'"" 












'""' 


ei 


C 


i 


— 


,_* 


© 


C 


© 


r^ 


■*• 


__. 


CO 


99 




00 


© 


r. 


O) 


00 


— i 


X 


ej 


O 


i.e 


e^ 


S 


- 


X 


QB 


— - 


— 




— 


93 


*^: 


t^ 




© 


•«* 


CN 




— _ 


r^ 


t- 


EO 

of 


















f 


— 


©_ 








o 


© 


© 


o 




- 


C: 


~ 


- 


- 


~ 


c: 




r^ 












o; 


: 


S 




■e 


C 


— 


~ 




— 


© 






90 








c: 


Ol 




a 


;r 


Ol 


© 


s 


c: 


r- 


CO 






s 


re 












































X 


re 


© 


09 


X 


- 


r~ 


•" 


DC 


— 




ei 




Ol 


V 








CO 


— 


<—> 


O) 


W5 

x» 

ef 


- 




re 

oi 




~ 


Dfi 






- 


X 

— 


1 


1 


1 


os 


X 


IQ 


— • 


© 


■-r 


o 


-r 


CS 


re 


re 


^e 


i 


— 


© 










o. 




•-T 




o-. 




■-r 






ei 






« 


Ol 










L~ 




OJ 








99 




CM 








■- 


"1 

— 




o 


— 


r— 




,— 1 


r^ 


r^ 




X 


__ 




r^ 




— 


BO 


re 


t^ 


— 


CO 


re 


r^- 


->o 




e-i 


re 




© 


t^. 








re 


X 


DO 


•^« 


r? 


^^ 


t— 


re 




re 


© 


■a 


O-I 


O) 


t^ 




— 


ej 


r^ 




DO 




— 






































PH 


EC 


CN 


M 


X 


Ol 


X 


t-~ 


© 


~— 




aj 


^« 


Bfl 


re 


<~ 


r - 


— 


■0 


SO 




X 


c 


— 


~ 


■^ 


X 


t^ 




9Q 




— 




X 


L~ 


O 








X 


— 




^-i 


— 


•— 1 


Ol 






^~ 






*— 


X 


■3 








— 






" 






















X 


^i 


_ 


-r 


r« 


te; 


gs 


3 


p_i 


r>- 


co 


1 


_ • 


BO 


© 


i~ 


X 


Q 


•-" 


■* 


ro 




03 
X 


t^ 


e-j 


■ 


X 

O} 


r^- 


- 






— 






— 


t-^ 


x_ 



— >e 09 



© — — 



© 
co 

CO 



X 


© 


re 


iO 


t— 


■a 


— 


f^ 




oo 


— 


ei 


X 


~ 




co 


— 


— 














© 


*— 


— 


o 


09 


OJ 


© 


X 








ei 


CO 


— 


X 


—. 


l-~ 


*o 



-o — ~ 









x — — — 









r- 


CN 




o 


ph 


















CO 


're 


^o 


© 


X 


t-» 


r^. 


© 


_ 


C3 


© 


X 


a 


90 




3 


i~ 


r^. 


t^ 


© 

03 
X 


^c 


e-i 


t>- 


^-« 


Ol 


i~ 


'O 


— 


— 


"^ 


! 


— 


X 


^~ 


re 


re 


^^ 


CO 




CM 


0B 


•~* 


■<*< 


t— 


























OJ 






^ - 




















— 


Ol 










































































































^ 






















































eS 


















cs 




















• 


- 














tJj 


• 
















J£ 




-! 


s. 
























•tj" 






s 




= 
- 


to 
c 












CO 


m 






_" 




a 






F 


afl 


a 


09 






■/. 




^ 


"5 


- 


. 


o 


£ 


m 


c 




M 






4-9 


X 


V. 

> 


-r 


— 




5 

-t-a 


a 





pj 




o 

o- 
a 


"5 

o 


"3 

o 


<3 

5 


a 




i 


J; 
> 




- 
o 


s. 

13 

o 


o 
E 


Eg) 


00 

O 


— 
O 


c 


- 


o 


= 


3 


of 


a 


o 




c 


o 


ce 


B 


R 


5 


03 


— 


o 


— ■ 


«£ 


2 


s 


S 


Z 


Z 


z 


PL) 


^ 


Eh 


— ' 


— 


> 







lvi 



RKPOKT OF THE 



m 




m 


CO 


a 
fc 


3 

£5 


CI 

en 


c3 


fc> 




W 


to 

3 




Tl 


CO 

H 


C 
1— l 


H 


rn 


CW 


s 



l-J 

a 

H 



o 

c 

co 
a 

T3 



a9 



pa 

H 

o 
55 











— 


CO 


,— 1 


_■ 


1 


~. 




■* 


.0 





co 


CO 















OS 


or 


1^ 


— 


CO 







•10 


it 





CM 













to 


"M 




i - 









DO 


.- 


CO 





O 









































be 






CO 


CM 


-M 


oc 


co" 


-O 




co 


— 


'O 


CO 


Tf 


«o 




B 






CO 


-* 


CO 


•* 


•CO 






• -. 




CO 


Ci 




I—I 


CO 


— 






'•/.' 


1— ' 




CO 


~— 


CO 




•—• 




CO 


1— ' 






p 




y 


















<& 














a 
































■ 


































5 


2 
S 


































cj 






co 


O 


CM 


CO 


»M 


CO 




O 


■a 


Ci 


l^ 


co 


I—I 




= 






CO 


i—i 


»CO 







•— 1 




CO 






r^. 


CO 


CO 


co 

a 

d 


— 






-* 


CM 


CO 


Ci 


I-H 


q 




CM 





CO 


~f 


CO 


CM 


d 




































1- 


CM 


t^ 


T 


CO 







3B 


Ci 





»o 


l~ 


CO 


S8 




CM 


-r 




Ci 


■>*< 


CO 




1- 


CO 


Ci 






CO 


1 


T3 




CM 


— « 


T!< 


•O 


»o 


Ci 




CN 




-<t> 


t^ 






V 


-H 




€fr 










* 
















*■* 


3 

u 

s 
>- 
















۩= 


















©i 
| 








>o 


CO 


^ 


CO 


00 


i—i 




O 


CM 


10 


ICO 


t^ 


CO 








co 


CO 


■**> 





co 


01 




CO 


CM 


CO 


•0 


1^ 


■*f 










Ci 


CO 


CO 


-M 


t^ 


-*_ 




■* 


CM 


T}» 


CM 


CO 







































r 




, * 




CO 


h- 


I— 1 


i.O 


1— 1 


co" 




CO 


Ol 


CO 


r-~ 








CO 




B 




Ci 





CO 


Tf< 


1—* 


Ol 




^tl 





CO 


Ci 


t^ 









a 




CO 


o_ 


co^ 


t^ 


CO 


o_ 




■^ 


Ci 


oq 


I—I 


CO 


CO 


6 




o 

a 




co" 


-*" 


1— c 


t--T 


co" 


CO 




co" 




co" 


Ci" 






M 






m 




rH 


f— * 


1— 1 


id 




t& 




1— 1 


1— 1 






Q 




< 














■^ 
















H 


































U 


































« 


































o 




































































































n 








00 


iC 


O 


CO 


CO 


«0 




ICO 


Ci 


t^ 


O 


r*< 





CO 




j3 




1—1 


OS 


CO 


CO 


ICO 


1—1 




CO 


<* 


CO 


■* 




Ci 


Ed 






■* 





CM 




CO 


CO 




CO 


CO 


CO 


t~~ 


CM 


CM 




































5 




a 




CO 


CM" 


"* 


»o 










CO 




iC 


•'J' 










s 














CM 
















►J 

o 




fc 






























£< 













































CO 










Ci 




CO 


Ci 


■<* 


CM 


"* 
















-T 


O 


co 





r~« 




CO 


co 


CO 


O 


1^. 













«? 


CM 


W3 


. 


q 


t>- 




CO 


i* 


Ci 


M< 


Ci 


1— 1 




































ci 




«j 




CM 


CO 


1— 1 


~- 


CM" 













CO 


1—1 


CO 


CO 


00 








— 


CO 


r^ 


CO 


CO 


CO 







l>. 


f-H 


1^ 


T*« 





22 




3 
O 




r~ 


»0 


co^ 


"^t 










0^ 


1— 1 


CO 


CO^ 




1—1 


K 




B 










1—1 


cm" 


t^r 




1—1 






■"^ 










€& 










^ 




۩= 












Q 




< 






























a 


































a 


































CO 


































co 


































to 




































































































s 








1— 1 


CO 


CO 


><o 


1—4 


CO 




r^ 


CM 


CO 


Ci 


CO 


<* 




C 




co 


a> 


Tt< 


Oi 


CO 


CM 




CO 


O 


•co 


Ci 




CO 


hi 

p 








Ci 


CM 


«T5 


CO 


CO 


O 




CO 


1—1 


CO 


cq 








1 














CO 










1—1 










% 


















































co 




















CO 














w 




















W 














Ch 




















(-4 














<J 




















fc 














H 
















[M 




5 














OJ 
















3 

-1 


















Pd 
















ph; 




O 














w 
















D 




O 

CO 

H 














H 
O 
















o 




H 
W 
co 














Ph 

O 
















a 




P 

w 








*e3 


« 






CO 

W 

»— » 




„ 












< 




-<! 






■4-" 


•*-» 






< 

Ph 

3 


" 


"3 


"5 










fc 




CO 

co 




1 


| 


p 

3 








5 

Cj 


B 
+-> 

3 














»— 1 


C 

CO 

M 

M 

cu 

PQ 


M 

•- 




►— • 

K 

B 

ja 


H5 


CO 

*J 
<-> 



CO 

08 

/ 

to 
99 

23 


a 
as 

To 
B 
W 

ft 


*C3 

H 
S 

■4-> 

as 

09 


'/J 


H 







O 




a> 

c 


O 


BJ 

a 

cj 


B 


O 


afl 

■«-> 

'5 

c- 


.sf 

B 

03 

s 

cu 




s 





INSURANCE COMMISSIONER. 



lvii 



1 


— 


r ~ 




— 


_ 


r^ 


— 


r— 


Q 


j 


~« 


— 


— 


_ 


— 


- 


! 






= 


~ 


s 




X 


~ 


X 


5 




5 


> 
ei 


t^- 


5 


Zl 


= 










































i-T 


ea 


— 


— 




— 


— 






3 




r. 


-^ 


QQ 


X 


— 


X 




t- 




X 


















e< 






ei 


o 
ef 




r r 
i- i- 

D 

4» 


-! 
I 

: 




r 


ei 




•o 


- 


X 




— 




-f 


1 


t^. 


_ 


X 


ri 


ei 






c 


~ 


— 




re 




r- 


— 




— 




~. 


r- 




• e 


— 








t~ 


7> 




x_ 


■r: 




ei 




ei 




l~ 




e» 


ei 


^ 


-r 


^« 












































BO 






gj 


— 


— 


— 


~ 


ei 


r- 


— 


ei 


•^ 


•^ 


— - 


-~ 


r. 










ei 


CC 


- 




X 


r~ 


e» 


r^ 


ej 






ei 


: 


OB 


- 












— 


M 


! 


re 


re 


ei 














• e 


■ e 










































































9* 
4 


t^ 






0) 






X 


r ~ 








~ 


ei 






o 


i* 


~ 


^f 


s 






— 


t^ 










el 




X 




s 




X 


ei 


e< 




'^ 






c_ 




pi 




X 




re 


t- 






X 




ei 


a 


— 


— 














































ei 


— 




CD 


BO 


— 


.: 


ef 


•o 


- H 


t^ 




Q 


X 


t— 


c: 






x 


X 






r^ 






r^ 


r- 


— 


X 


re 


- 


ei 






B 












SB 


71 


r~ 


r^ 




re_ 


X 








EC 


r. 






























































t— 


ic" 












ei 


• e 


ei 








•e 




fJ 


_ 


f9 . 


ei 


X 


r— 




— 


_ 




~. 


._ 


_ 


— 








— 




TJ 


r~ 


3 


ei 


e» 


•a 




ei 


ei 








~ 








r^- 




r. 


r> 


•O 


: 






X 


•>*■ 


■^ 


Ti 


ei 


re 






O 
















































~ 


B 


ef 


" 


re 


rs 








ei 










•o 




































" 


t>- 






X 





^^ 


3 


; 


s 




_ 


s 


- 




ej 


■ 




o 


re 


e»» 






3 


5 










re 






~ 


— 




39 


re 


e-i 


•O 


re 






~l 




c 


b_ 






t^ 




— 


r_ 




<o 




— 


X 




t^ 












































ei 


— 


03 


— 


— 


3B 


t^ 


■ e 


- 


— 


ei 


■- 


t- 


•^2 


QQ 


■ q 


t~» 








— 








ei 


re 


X 




X 


C 


e> 


r 


ei 


~ 


ei 


- 










l^- 


B* 


3 


re_ 


ef 


re_ 

ei" 




•»*• 


*= 




•*• 


re 


o 


re_ 

ej 
3S* 


x_ 

— 
re 






_ 







— 


_ 


n 


_^ 




t~~ 


_ 


t^ 


i^ 


ei 






X 


^ 






Q 


— 


r~ 


M 


ei 


re 


— 


— 




ei 


q 


QQ 


— • 


re 


t^ 


o 


re 


— " 




^- 




Q 


X 


— 


X 


•^ 


t>- 


■v 


— 


ei 




ei 


t» 


^-< 




'^_ 








?r 


























~_ 


ei" 

— 


s - 

• 
- 
■ 

a 


m 


























































































































































































































- 












































































s . 






































- 


■ 




































■a 






































a 






































— 






































o o 


t- 




































•» S5 


- 




































— -T 


a 




































ef 


c 




































— 






































ei 






































fl» 






































— " 






































■_ 






































> 












































































3 - 






































-^ « 






































p 








































































m 




Z 


































m 




a 


































o 






































— 




5 


































C* 






































•«-> 




Z 
















pS 


B 


Eh 














02 


. 
















-— 




-r 


■ 












3 




S-t 




• 


-f-f 




JB 


• 


• 


— 

3 


— ~ 


5 

c 
-— 


CO 


• 


-a 


r. 

- 

— 


• 


= 


^3 

O 
•— 

o 


■•a 
4a 


— ■ 
= 


: 


| 


= 


_* 




•= 


> 


— 

-_ 


— 


-** 


-r 


— 
J- 


i 


— 

CO 

— 


•£ 


O 

tc 


30 

re 
•a 


^3 
= 
«3 
— 


•a 

= 

M 

* +- 


-H 






















:, 




^. 




^ 




3 












— 




b- 






> 


;> 


- 


C 


«a 




■ 








5 


a 


~ 


~ 


~z 


£ 


tr 


C 


a 


C 


.^ 


"^ 




z 
> 


e3 










2 


*-• 


2 


s 


Z 


Z 


Z 


i. 


Ph 


— * 


^~ 


5 


5 


^ 











MASSACHUSETTS 

LIFE INSURANCE COMPANIES. 



Detailed Statement- of Asssra and Liabilities, with Abstract 
of Anneal Statements, fob the Teas ending 

December 31, 1889. 



DETAILED STATEMENT OF ASSETS AND LIABILITIES. 



BERKSHIRE LIFE INSURANCE COMPAXV, PITTSFIELD. 



[Incorporated May, 1S51. Commenced business Sept. 4, 
Paid-up Capital, $25,500. 



1851.] 



William EL Plunkett, President. 



James W. Hull, Secretary. 



Income. 

Xew premiums without deduction-. . 

Renewal premiums 

Premiums paid by dividends, including additions, 



Total 

Deduct amount paid for reinsurance, 

Total premium income, .... 
Ca^h received for inten .... 

Cash received for rents of company's property, 



Total income, .... 
Net or ledger assets, Dec. 31, 1888, . 



Total. 



2,042 69 

654,073 71 
4,662 84 

1920,779 24 
18,421 60 



$902,357 64 

185,993 07 

14,367 50 

$1,102,718 21 
3,969,173 03 

$5,071,891 24 



Disbursements. 

Cash paid for losses and additions, 0221,422 20 

Premium notes or loans used in payment of same, . . . 3,215 80 

Cash paid for matured endowments and additions, . . 95,287 09 

Premium notes or loans used in paynlent of same, . . 1,944 91 

Gross amount paid for losses and endowments, . . $321,870 00 

Cash paid for surrendered policies, 168,745 44 

Premium notes or loans used in purchase of surrendered 

policies and voided by lapse. 16,723 05 

Cash surrender values, including reconverted additions ap- 
plied in payment of premiums, 4,662 84: 

Cash dividends paid policy-holders applied in payment of 

premiums, 101,076 81 

Total paid policy-holders, $ 6 13,078 14 



MASSACHUSETTS LIFE 



[Dec. 31, 



Cash paid for dividends to stockholders, .... 

for commissions to agents, 

for salaries and travelling expenses of agents, 

for medical examiner's fees, .... 

for salaries of officers and office employees, . 

for taxes and fees, 

for rent, 

for advertising, 

for incidentals, 

Depreciation, 



Total disbursements, . 
Balance, 



$1,785 00 

118,160 01 

26,784 55 

12,504 75 

25,345 46 

16,509 61 

6,527 64 

4,890 23 

20,500 54 

2,146 61 

£848,232 54 

$4,223,658 70 



Invested in the following 1 : — 

Assets as per Ledger Accounts 
Cost value of real estate, .... 
Loans on mortgage of real estate (first liens), 
Loans on collateral security (schedule A), 
Premium notes or loans on policies in force, 
Cost value of stocks and bonds owned (schedule B) 
Cash in company's office, . 
( ash deposited in bank, 
Bills receivable, .... 
Agents 1 ledger balances, . 

Ledger assets (as per balance), 
Deduct depreciation from cost of assets, 

Total net or ledger assets, 



Other Assets. 
Interest due and accrued, .... 
Rents due and accrued, .... 
Market value of stocks and bonds, over cost, 
Uncollected premiums on policies in force, 
Deferred premiums on policies in force, . 



Total, ' . 

Deduct loading (20 per cent.), . 

Net am't of uncollected and deferred prem's, 



$32,938 04 

80,161 12 

$113,099 16 

22,619 83 



$426,731 92 

2,488,315 80 

299,425 00 

134,710 32 

752,835 25 

421 14 

105,691 08 

899 43 

14,628 76 

|4,223,658 70 
1,759 13 

$4,221,899 57 



46,466 38 

926 70 

49,004 75 



Total assets per company's books, .... 

Items not admitted. 
Agents 1 balances, f 14,628 76 



90,479 33 
. $4,408,776 73 



Bills receivable, 

Total, . 

Total admitted assets, 



899 43 



15,528 19 
. $4,393,248 54 



1889.] INSURANCE COMPANIES. 5 

Liabiliti! a. 

Computed premium reserve or net present value of all out- 
actuaries 1 ! per cent.), . . . 2,247 00 
Deduct net value of reinsured risks, ,063 00 



X - irance i 1,184: 00 

Matured endowments «lu« i and unpaid, . . fl,913 13 

Death losses in process of adjustment, . . 17,017 00 

:1 policy claims 18,930 13 

Unpaid dividends of surplus due policy-holders, . . . '9 69 

Premiums paid in advance 

Bills payable 6 29 



Liabilities as to policy-holders | >,S66,415 72 

Surplus - gards policy-holders, ... 2 82 

Paid-up capifal ) 00 

Surplus ipital ,332 82 



9 liabilit ,248 I 



Premium Note Accocnt. 

■nium notes on hand Dec. 31, 1888, . . $142,719 78 
Premium n< eived during 

Total |169,214 

1 in payment of md claims, . . 160 71 
I in payment of surrendered policies and 

voided by lapse 16,723 05 

emed by maker in cash 12,620 58 

Total, 34,504 34 



Balance note assets, Dec. 31, 1889, $134,71 _ 



Exhibit of Policies. 
Policies and Additions in force Dec. 31, 188 S. 

Number. Amount. Total No. Total Amount. 

Whole life, . . . 6,106 $14,670,567 00 

Endowment, . . . 2,893 6,581.272 00 

All other 276 469.950 00 

Reversionary additions, . - 179,499 00 

9,275 621,901.288 00 



Policies issued during the Tear. 

Whole life, . . . 2.371 35,882,800 00 
Endowment. . . . 283 706,648 00 

— — 2,654 6,589,448 00 



6 



MASSACHUSETTS LIFE 



[Dec. 31, 



Whole life, 
Endowment, 
All other, . 

Additions by dividends, 

Total, . 



Old Policies revived. 

Number. Amount. 

73 $77,669 00 

12 8,525 00 

25 48,500 00 



Total No. 



110 



Total Amount. 



$134,09-4 00 
11)7,746 00 



12,039 $28,823,176 00 



Whole life, 
Endowment, 
All other, . 



Policies terminated during the Year. 

. 1,211 $2,699,716 00 

330 761,887 00 

64 306,610 00 





1,605 


§3,768,213 00 








Row terminated. 






B}' death, . 


88 


$211,274 00 






maturity, 


60 


94,431 00 






expiry; . 


41 


80,250 00 






surrender, . 


204 


727,166 00 






lapse, . 


555 


1,155,592 00 






change and decrea 


se, . 8 


20,000 00 






Not taken, . 


649 


1,479,500 00 










. 


1.605 


3,768,213 00 



Whole life, 
Endowment, 
All other, . 
Reversionary additions, 



Policies in force Dec. 31, 1889. 

. 7,339 $17,931,320 00 

. 2,858 6,534,558 00 

237 392,700 00 

196,385 00 



10,434 $25,054,963 00 



Schedule A. 

Securities held as Collateral for 

800 shares N. Y., New Haven & Hartford R.R. 
75 ' 

27 

16 ' 

70 ' 
L50 « 

64 

15 
101 

20 



Third National Bank, Pittsfield, 
Boston & Albany Railroad, . 
Stockbridge & Pittsfield Railroad 
Boston Safe Deposit and Trust Co. 
Smith Paper Company, . 
Pittsfield Coal Gas Company, 
Pittsfield National Bank, 
Boston it Albany Railroad, . 
Third National Bank, Pittsfield, 



Cash Loans. 

Market value. 

$196,000 00 

11,250 00 

5,805 00 

1,840 00 

11,200 00 

22,500 00 

9,600 00 

2,250 00 

22,860 00 

3,000 00 



Loaned thereon. 

$160,000 00 

16,000 00 

10,500 00 

10,000 00 

7,000 00 

1,525 00 

10,700 00 

2,000 00 



1889.] 



INSUKAXCE COMPANIES. 



Market value. Loaned thereon. 



17 shares Agricultural Nat'l Bank, Pittsfield, 

6 ■ Third National Bank, Pittsfield, . 
u " Pittsfield National Bank, Pittsfield, 

5 " Boston & Albany Railroad, . 

7 " Pontoosuc Woolen Company, 
122 " Massasoit Paper Company; . 

11 " Boston & Albany Railroad, . 
700 " Western Union Telegraph Co., 
Chicago, St. Paul, Minn. & Omaha H.R. bond, 
7 shares Agricultural National Bank, 



Schedule B. 

Stock* and Bonds owned by the 

shares Pittsfield National Bank, 

250 " Adams National Bank, . 

300 " Agricultural National Bank, . 

121 " Berkshire Railroad, 

145 " Stockbridge & Pittsfield Railroad, 

United States bonds, 

Berkshire Comity bonds, .... 
Pittsfield Fire District bonds, . 
Pittsfield town bonds, .... 
Chhesire town bond-. .... 
West Springfield town bonds, . 
Hinsdale Fire District bonds, . 
Readsborough Fire District bonds, . 
Boston & Albany Railroad bonds, . 



$8,995 00 

750 00 

6,600 00 

1,075 00 

10,500 00 

19,520 00 

2,365 00 

58,100 00 

1,000 00 

1,645 00 



$2,700 00 

5,000 00 

700 00 

6,000 00 

15,000 00 

1,600 00 

50,000 00 
700 00 
1,355 00 $299,425 00 



Company. 

Cost. 

$51,550 00 
: 11,250 00 
60,000 00 
13,915 00 
16,675 00 

288,095 25 
97,350 00 
65,000 00 
20,000 00 
3,500 00 
7,000 00 
32,500 00 
10,000 00 
56,000 00 



Market value. 

?:>7,000 00 
36,250 00 
70,500 00 
13,915 00 
16,675 00 

315,000 00 
98,500 00 
65,000 00 
20,000 00 
3,500 00 
7,000 00 
32,500 00 
10,000 00 
56,000 00 



$752,835 25 $801,840 00 



JOHN HANCOCK MUTUAL LIFE INSURANCE COMPANY, 

BOSTON. 

[Incorporated April 21, 1S62. Commenced business Dec. 27, 1862.] 

Stephen II. Rhodes, President. George B. Woodward, Secretary. 

Principal Office, Boylston Building. 



Income. 

Total premium income, 

Cash received for interest, .... 

as discount on claims paid in advance, 
for rents of company's property, 
for profits on bonds or stock sold, 



Total income, .... 
Net or ledger assets, Dec. 31, 1888, . 

Total, 



$1,616,585 01 

166,207 88 

1,405 47 

14,818 64 

526 05 

$1,799,543 05 
3,161,933 19 

$4,961,476 24 



8 



MASSACHUSETTS LIFE 



[Dec 31 



Disbursements. 

Cash paid for losses and additions, 

Premium notes or loans used in payment of same, . 
Cash paid for matured endowments and additions,. 

Premium notes or loans used in payment of same, . 

Gross amount paid for losses and endowments, 
Cash paid to annuitants, ....... 

Cash paid for surrendered policies, 

Premium notes or loans used in purchase of surrendered 
politics and voided by lapse, 

Cash surrender values, including reconverted additions 
applied in payment of premiums, .... 

Cash dividends paid policy-holders applied in payment of 
premiums, 

Premium notes or loans used in payment of dividends, . 

Total paid policy-holders, 

Cash paid for commissions to agents, .... 
for salaries and travelling expenses of agents, 
for medical examiner's fees, .... 
for salaries of officers and office employees, . 

for taxes and fees, 

for rent, 

for furniture and office fixtures, 

for advertising, 

for incidentals, 

Total disbursements, 

Balance, . 



|592,575 05 
3,934 83 

122,076 38 
6,214 19 



$72-4,800 47 


134 85 


31,229 


46 


3,445 


58 


609 


03 


57,259 


85 


5,411 


01 


$822,890 


25 


397,507 


59 


155,913 


61 


31,912 


04 


50,868 


65 


18,228 06 


14,941 


06 


2,405 


98 


9,401 


27 


31,877 


28 


$1,535,945 


79 



53,425,530 45 



Invested in the following : — 

Assets as per Ledger Accounts 

Cost value of real estate, 

Loans on mortgage of real estate (first liens), 
on collateral security (schedule A), 
on company's policies assigned as collateral, 

Premium notes or loans on policies in force, . 

Cost value of stocks and bonds owned (schedule B), 

Cash in company's office, 

( lash deposited in bank, ...... 

Agents" Ledger balances, 

Ledger assets (as per balance), 

Other Assets. 
[nteresl due and accrued, 

Kent- tint- and accrued, 

Market value of stocks and bonds, over cost, . 



$414,799 19 
1,593,740 00 

109,800 00 

74,075 00 

89,939 32 

1,096,576 42 

1,576 44 

44,766 20 

257 88 

53,425,580 45 



46,946 97 

118 67 

16,358 46 



1889.] 



INSURANCE COMPANIES. 



Uncollected premiums on policies in force, . $31,399 13 
Deferred premiums on policies in force, . . 45,823 4-4 

Total f77,222 57 

Deducl loading 17,839 26 

Net ami of uncollected and deferred prem's, . 

Total assets per company's books, 



859,:]s:; 31 



1,548,337 86 



I IT. MS Not ADMITTED, 



Agents 1 balances, 

Total admitted assets, 



257 88 



. $3,548,079 98 



Liabilities. 

Computed premium reserve or net present value of all out- 
standing policies (actuaries 1 \ per cent.), 
Deduct net value of reinsured risks, 



Net reinsurance reserve, . 

Matured endowments due and unpaid, 

Death losses and matured endowments in 

process of adjustment, .... 
Claims resisted by the company, 

Total policy claims, .... 
Unpaid dividends of surplus due policy-holder 
Premiums paid in advance, 
Cash surrender values, .... 

Liabilities as to policy-holders, . 
Surplus as regards policy-holders, . 

Gross liabilities, .... 



$126 00 

17,881 56 
640 00 



1,218,195 00 

6,499 00 

5,211,696 00 



18,947 56 
13,800 25 

20,572 94 



. $3,265,016 75 
283,063 23 

. $3,548,079 98 



Premium Note Account. 

Premium notes on hand Dec. 31, 1888, . . $102,444 17 

Premium notes received during 1889, . . 6,655 56 

Total, $109,099 73 

Used in payment of losses and claims, . . $ 10,149 04 
Used in payment of surrendered policies and 

voided by lapse, 3,445 58 

Used in payment of dividends to policy-holders, 5,411 01 

Redeemed by maker in cash, .... 154 78 

Total, 19,160 41 



Balance note assets, Dec. 31, 1889, 



,939 32 



10 



MASSACHUSETTS LIFE 



[Dec. 31, 



Exhibit of Policies. 
Policies and Additions in Jorce Dec. 31, 1SSS. 

Number. Amount. Total No. Total Amount. 

Whole life, . . . 8,316 £5,808,045 00 
Endowment, . . . 1,846 3,042,499 00 

All other 275 517,500 00 

5,437 £9,368,044 00 



Whole life, 
Endowment, 

All other, . 



Policies issued during the Year. 

244 $588,712 00 

422 839,018 00 

13 30,500 00 



679 1,458,230 00 



Whole life, 
Endowment, 



Old Policies revived. 



$10,368 00 
918 00 



8 



11,286 00 



Total, 6,124 §10,837,560 00 

Policies terminated during the Year. 

Whole life, ... 299 $555,143 00 
Endowment, ... 377 626,179 00 

All other, .... 81 142,000 00 



757 $ 1,323,322 00 





How terminated. 






By death, . 


80 


$175,088 00 






maturity, 


117 


128,674 00 






expiry, . 


73 


• 132,000 00 






surrender, 


195 


209,813 00 






lapse, . 


140 


234,157 00 






change and decrease, 


17 


97,990 00 






Not taken. . 


135 


345,600 00 


757 


1,323,322 00 



Whole life, 
Endowment, 

All other, . 



"Policies in force Dec. 31, 1889. 

. 3,267 $5,851,982 00 

1,898 8,256,256 00 

207 106,000 00 



5,367 $9,514,238 00 



Industrial policies in force, 



.320,264 $36,365,419 00 



1889.] 



INSURANCE COMPANIES. 



11 



Schedule A. 
Securities held as Collateral. 



Ottawa, Oswego & Fox River Valley Railroad, 
25 shares N.Y. Central & Hudson River R K , 
100 " Middlesex Banking Company, 
500 M Chicago, Burlington & Quincy R.R., 
50 " Tamarach Mining Company, . 
Kansas City, Fori Scot! & Memphis R R. bonds, 
Mexican Central Railroad bonds, 
150 shares Union Pacific Railroad, . 



Schedule B. 



Market value. 

§1,200 00 
2,712 50 
10,500 00 
53,625 00 
7,500 00 
28,875 00 
21,000 00 
10,500 00 



Amount loaned. 

$800 00 

2,000 00 
7,000 00 

50,000 00 



50,000 00 



$135,912 50 $109,800 00 



Stocks and Bonds owned by the 



Massachusetts registered bonds, 
Franklin County, Ind , bonds, . 
Washington County, 111 , bonds, 
Marion County, Ind.. bonds, 
Columbia County. Wash., bonds, 
Lincoln County, Neb., bonds, . 
Finney County, Kan., bonds, 
Cherokee County, Kan , scrip, . 
Thurston County, Wash , bonds, 
City of St. Paul bonds, 
City of Elkhart. Ind., bonds, 
City of Streator, 111., bonds, 
City of Decatur, 111., bonds, 
City of Yankton, Dak., bonds, . 
City of Fremont, Xeb , bonds, . 
City of Emporia, Kan., bonds, . 
City of Jeffersonville, Ind., bonds, 
City of Sioux Falls, Dak., bonds, 
City of New Albany, Ind., bonds, 
City of Martinsville, Ind., bonds, 
City of Kansas City, Kan , bonds, 
City of St. Cloud, Minn., bonds, 
City of Arkansas City, Kan., bonds, 
City of Beloit, Wis., bonds, 
City of Nebraska City, Neb , bonds, 
City of Eyansville, Ind., bonds, 
City of Chattanooga, Tenn., bonds, 
City of Fargo, Dak , bonds, 
Town of Spencer, Ind., bonds, . 
Delaware Township, Kan., bonds, 
Village of Groveport, O., bonds, 
Village of Braceville, 111., bonds,' 



Company. 

Cost. 

$113,750 00 

29,394 25 

5,225 00 

15,206 25 

11,800 00 

4,195 00 

10,825 00 

5,259 26 

10,700 00 

10,375 00 

5,633 37 

2,021 40 

18,540 00 

8,496 25 

5,125 00 

14,700 00 

10,450 00 

14,525 00 

9,920 00 

3,015 00 

18,235 00 

10,650 00 

3,112 50 

6,337 50 

4,862 50 

5,000 00 

10,900 00 

5,487 50 

5,115 00 

9,500 00 

6,081 00 

3,052 50 



Market value. 

$113,000 00 

29,518 00 

5,150 00 

15,300 00 

11,750 00 

4,180 00 

10,600 00 

5,259 26 

10,700 00 

10,300 00 

5,555 00 

2,000 00 

18,630 00 

8,882 50 

5,100 00 

14,700 00 

10,475 00 

14,560 00 

9,666 25 

3,000 00 

18,275 00 

10,600 00 

3,105 00 

6,300 00 

5,000 00 

5,000 00 

11,400 00 

5,300 00 

5,150 00 

10,000 00 

6,000 00 

3,000 00 



12 



MASSACHUSETTS LIFE 



[Dec. 31, 



Wj andotte ( Jounty, Kan.. School District bonds 
City of Seattle, Wash., bonds, . 

Central Drainage District, 111 . bonds, 
Ogdensburg & Lake Champlain R.R. bonds, 
Illinois Grand Trunk Railroad bonds, 
Cedar Rapids Ov: Missouri River R.R. bonds, 
Nashua A: Rochester Railroad bonds, 
Lowell & Andover Railroad bonds, . 
Old Colony Railroad bonds, 
Burlington & Missouri River Railroad bonds. 
New York & New England Railroad bonds, 
Cheshire Railroad bonds, . 
Saginaw Valley & St. Louis Railroad bonds, 
Chicago, Milwaukee & St. Paul R.R. bonds, 
Lowell & Lawrence Railroad bonds, 
Oregon Railway and Navigation Co. bonds, 
Consolidated Railroad of Vermont bonds, 
Fort Wayne, Cincinnati & Louisville R.R. bonds 
Quincy, Alton & St. Louis Railroad bonds, 
Leavenworth, Topeka & So West'n R R. bonds 
Cleveland, Columbus, Cin. & Ind R R. bonds 
Chicago, Burlington & Northern R R. bonds, 
AViseonsin Central Railroad bonds, . 
Cincinnati, Sandusky & Cleveland R.R. boncjs 
Atchison, Colorado & Pacific Railroad bonds, 
Chicago & Eastern Illinois Railroad bonds, 
Si lawn & Indiana State Line Railroad bonds, 
Memphis & Charleston Railroad bonds, . 
Little Rock & Fort Smith Railroad bonds, 
Carolina Central Railroad bonds, 
dames River Valley Railroad bonds, 
St. Joseph & Grand Island Railroad bonds, 
St. Louis, Cable & Western Railroad bonds, 
Spokane & Palouse Railroad bonds, 
Helena & Red Mountain Railroad bonds, 
Kansas City, Memphis & Birm'gh'mR.R bonds 
Marietta .Mineral Railroad bonds, . 
Kansas ( !ity, Fort Scott & Memphis R R. bonds 
Marquette, I [oughton & Ontonagon \l \{ bonds 
Chicago, Burlington & Northern MM. bonds, 
Seattle, Lake Shore & Eastern Railroad bonds 
Atchison, Topeka & Santa l-'e Railroad bonds 
Middlesex Banking Company bonds, 
New England Mortgage Security Co bonds, 
Minneapolis Gas Light Company bonds,. 

Saratoga <i.i- and Electric Light Co. bonds, 

Port Chester Standard Gas Light Co. bonds, 
Kansas City stock Exchange bonds, 
hares Boston & Maine Railroad, 



Coat 

$5,250 00 

10,287 50 

7 50 

t,987 50 

19,400 00 

13,500 00 

23,125 00 

18,300 00 

1,020 00 

11,887 50 

20,862 50 

5,500 00 

19,680 00 

10,612 50 

1,115 00 

10,761 90 

4,180 00 

5,250 00 

9,587 50 

2,205 00 

9,750 00 

1,500 00 

8,787 50 

10,500 00 

10,275 00 

22,300 00 

12,600 00 

12,050 00 

11,800 00 

10,975 00 

10,400 00 

10,837 50 

20,292 50 

10,400 00 

10,450 00 

9,612 50 

9,500 00 

in,;; 10 00 

9,700 00 

10,200 00 

9,500 00 

80,424 00 

10,000 00 

10,100 00 

10,500 00 

10,850 00 

4,587 50 

29,850 00 

5,635 62 



Market value. 

£5,250 00 

10,300 00 

8,160 00 

5,000 00 

20,200 00 

16,350 00 

25,500 00 

21,600 00 

1,140 00 

13,500 00 

23,200 00 

5,550 00 

19,520 00 

11,200 00 

1,140 00 

10,900 00 

6,612 00 

5,200 00 

9,800 00 

2,100 00 

11,000 00 

1,500 00 

9,650 00 

10,075 00 

10,250 00 

23,300 00 

12,300 00 

12,000 00 

10,000 00 

10,950 00 

10,400 00 

10,300 00 

20,200 00 

10,000 00 

10,300 00 

10,000 00 

10,200 00 

11,500 00 

10,000 00 

9,500 00 

9,500 00 

77,751 62 

10,000 00 

10,000 00 

nuoo oo 

10,500 00 

5,000 00 

30,000 00 

10,500 00 






>URAS MPAXIES. 



I 



■_ 

9 



shares Chi< _ 

Union . . . . . 

Atchifi Santa 1 

•• ■ _ gton & North R R . 

Am- md Tni- 

_ nk, 

inont National Hank,. 
I "ntinontal National Bank, 

nal Bank, . 
YY Lshu _ . Bank, . 

IB uk, 
:ial Bar. 



- - 

- 

.... 

. I 50 



Market raise 

) 00 

- 

12.. 
Ft . 

V2.' 



-- \ 



mass rrrs :: ispital life inscban :wnv. 

3 X 

rporated Feb . - ISIS. Commenced business 1 - . 
Paid-cp Capitai., $-» 

William Mlxot. P 'ary. 

S mcel C. Cobb. Actuary. 



In 

I premium income 

Cash re r inter 

.i reeeiv omrnissions on tn> 



11 4 $8 

a 



il income, |2 



Disbursements. 

Cash paid to annuitants 

for dividends to stockholders, . 

ssaehnsetts General Hospital. 
for salaries of officers and office employ - 
for taxes and re r5. ..... 

for ren~ 

for incidentals, 

Total disbursement 



2:.. " " 
14 

M3S SI 



14 



MASSACHUSETTS LIFE 



[Dec. 31, 



Invested in the following: — 

Assets as per Ledger Accounts. 

Cost value of real estate, 

Loans on mortgage of real estate (first liens), . 

Loans on collateral security, . . 

Cost value of stocks and bonds owned, . 

Cash deposited in bank, 

Ledger assets, 



Other Assets. 

Interest due and accrued, 

Market value of stocks and bonds, over cost, . 

Total assets per company's books, .... 

Liabilities. 
Net present value of all outstanding policies and annuities, 
Due and unpaid on annuity claims, 

Liabilities as to policy-holders, 

Surplus as regards policy-holders, 



Gross liabilities, 



Exhibit of Policies. 



$39,608 72 
548,096 95 

452,861 79 

234,355 68 

18,665 12 

§1,288,588 26 



15,473 54 
44,106 93 

,348,168 73 



$489,936 00 
317 50 

$490,253 50 
857,915 23 

§1,348,168 73 



Policies in force Dec. 31, 1889, . 
Annuities in force, 



Number. 

2 
222 



Amount. 

6,000 00 



MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY, 

SPRINGFIELD. 

[Incorporated May 1, 1851. Commenced business Aug. 1, 

M. V. B. Edgerly, President. John A. 

Income. 
New premiums without deductions, 

Renewal premiums, 

Premiums paid by dividends, including additions, . 
Premiums paid by surrendered policies, . 



Total, 

Deduct amount paid for reinsurance, 

Tolal premium income, 

Cash received for interest, 

as discount on claims paid in advance, 
for rents of company's property, 
for profits on bonds or stocks sold, . 



Total income, . 
Net or ledger assets, Dec. 31, 1888, . 

Total, 



1851.] 

Hall, Secretary. 



$416,585 13 

1,342,776 82 

147,637 15 

6,231 78 



$1,913,230 88 

45,683 63 

$1,867,547 25 

488,054 21 

293 54 

16,778 15 

39,495 05 

$2,412,168 20 

8,828,173 49 

$11,240,341 69 



L889.] 



INSURANCE COMPANIES. 



15 



Disbursements. 

Cash paid for losses and additions, ..... 
Premium notes or loans used in payment of same, 
Cash paid for matured endowments and additions,. 
Premium notes or loans used in payment of same, . 

Gross amount paid for losses and endowments, 
Received for losses and claims on policies reinsured, 

Net amount paid for losses and endowments, . 

Cash paid for surrendered policies, 

Premium notes or loans used in purchase of surrendered 

policies and voided by Lapse, 

Cash surrender values, including reconverted additions ap 

plied in payment of premiums, ..... 
Cash dividends paid policy-holders, § 16,492. 90; applied in 

payment of premiums, $151,660.12, .... 
Premium notes or loans used in payment of dividends, . 

Total paid policy-holders, 

Cash paid for commissions to agents 

for salaries and travelling expenses of agents, 
for medical examiner's fees, .... 
for salaries of officers and office employees, . 

for taxes and fees, 

for rent, 

for advertising and printing, .... 

for incidentals, 

for expenses on real estate, .... 

Total disbursements, 

» 

Balance, 



$595,806 94 

15,030 06 

99,418 78 

3,170 22 

$713,486 00 
25,495 00 

$687,991 00 
146,066 00 

25,942 94 

6,231 78 

168,153 02 
57,624 55 



$1,092,009 29 

225,884 22 

110,132 44 

22,910 00 

61,770 99 

30,422 94 

12,860 48 

15,330 69 

24,970 10 

26,040 08 

$1,622,331 23 

$9,618,010 46 



Invested in the following : — 

Assets as per Ledger Accounts 

Cost value of real estate, 

Loans on mortgage of real estate (first liens), 
on collateral security (schedule A), 
on company's policies assigned as collateral, 
Premium notes or loans on policies in force, . 
Cost value of stocks and bonds owmed (schedule B), 

Cash in company's office, 

Cash deposited in bank, 

Ledger assets (as per balance) .... 

Other Assets. 

Interest due and accrued, 

Rents due and accrued, 

Market value of real estate, over cost, 



$390,224 93 

3,576,257 43 

701,200 00 

319,082 00 

547,027 02 

3,882,301 81 

15,327 69 

166,589 58 

^9,618,010 46 



151,379 90 

700 00 
68,993 15 



16 



MASSACHUSETTS LIFE 



[Dec. 31, 



Market value of stocks and bonds, over cost, 
Uncollected premiums on policies in force, 
Deferred premiums on policies in force, . 



Total 

Deduct loading (20 per cent.), . 

Net anft of uncollected and deferred prem's, 

Total assets per company's books, . 



, £247,182 95 



|153,106 79 
258,832 18 

1411,938 97 

82,387 79 



329,551 18 



,415,817 64 



Liabilities. 

Computed premium reserve or net present value of all out- 
standing policies (actuaries 1 4 per cent), . . . 
Deduct net value of reinsured risks, 

Net reinsurance reserve, 

Death losses and matured endowments in process of adjust- 
ment, 

Unpaid dividends of surplus due policy-holders, . 
Premiums paid in advance, 



Liabilities as to policy-holders, . 
Surplus as regards policy-holders, . 

Gross liabilities, . 



1,598,485 00 
117,047 00 

M81,438 00 

23,828 85 

30,358 80 

2,099 98 

. $9,537,725 63 
878,092 01 

$10,415,817 64 



Premium Note Account. 



Premium notes on hand Dec. 31, 1888, 
Premium notes received during 1889, 

Total 

Used in payment of losses and claims, . 
Used in payment of surrendered policies and 

voided by lapse, 

Used in payment of dividends to policy-holders, 
Redeemed by maker in cash, .... 

Total, ........ 

Balance note assets, Dec. 31, 1889, . 



$524,271 04 
134,422 04 

$18,200 28 

25,942 94 

58,552 51 

8,970 33 



$658,693 08 



111,666 06 



. $547,027 02 



Exhibit of Policies. 
Policies and Additions in force Dec. 31, 18SS. 



Whole life, 
Endowment, 
All other, . 
Reversionary additions, 



Number. Amount. Total No. Total Amount. 

13,670 $37,582,181 00 

4,16 1 10,201,984 00 
73:5 1,648,448 00 
47,971 00 
18,767 $49,480,584 00 



1889.] 



IXSKKAXCE COMPANIES. 



17 



Policies issued during the Year. 





Number. 


Amount. 


Total Xo. 


Total Amount. 


Whole life, 


. 3,699 


$13,200,500 00 






Endowment, 


716 


1,647,700 00 






All other, . 


28 


184,000 00 












4,443 


$15,032,200 00 



Whole life, 

Endowment, 



Old Policies revived. 



$ 17,000 00 
15,000 00 



32,000 00 



Whole life, 
Endowment, 

Additions by dividends, 

Total, .... 



Old Policies incrcas* d. 

$17,546 00 
1,150 <»o 



18,696 00 
22,867 00 



28,216 $64,586,347 00 



Policies terminated during the Year. 

Whole life, . . . 1,924 $6,710,773 00 
Endowment, ... 537 1,210,980 00 
All other, . . . . 129 344,091 00 



2,590 $8,265,844 00 



How terminated. 



By death, .... 


232 


$618,463 00 


maturity, 


86 


96,236 00 


expiry, 


89 


204,800 00 


surrender, . 


520 


1,208,702 00 


lapse, .... 


843 


2,557,880 00 


change and decrease, . 


- 


553,313 00 


Not taken, .... 


820 


3,026,450 00 



2,590 8,265,844 00 



Whole life, 
Endowment, 
All other, . 
Reversionary additions, 



Policies in force Dec. 31, 1889. 

. 15,321 $43,991,954 00 

. 4,644 10,674,354 00 

661 1,585,687 00 

68,508 00 



20,626 $56,320,503 00 



18 



MASSACHUSETTS LIFE 



[Dec. 31, 



Schedule A. 
Securities held as Collateral for 

19 sharos Springfield Gas Light Company, 
Lackawanna & Pittsburg Railroad bonds, 
Columbus A: Eastern Railroad bonds, 
South Florida Railroad bonds, . 
200 shares Winona Paper Company, Ilolyoke 
X. Y , Rutland & Montreal Railroad bonds, 
17 shares P. C. Cheney Co., Manchester, X. II 
20 " Springdale Paper Co., Ilolyoke, 

5 " American Speaking Telephone Co 

6 " N. Y. and X. J. Telephone Co., 

50 " Albany Card and Paper Co., X. Y. 
130 " X T . Y. and X. J. Telephone Co , 
120 " First Xat Bank of Billings, M. T. 
South Central Railroad bonds, . 
Savings Bank guaranty fund certificates, 
Paid-up policy Xat. Life Ins. Co. of U. S. A , 
Claremont Water Works bonds, 
100 shares Albany Card and Paper Company, 
Claremont Water Works bonds, 
50 shares Wilton Railroad, 
Upper Coos Railroad bonds, • . 
300 shares Fairfield Paper Company, 
Des Moines & Kansas City Railroad stock, 
Woodlawn Cemetery Ass'n, Toledo, 0., bonds, 
20 shares Adams Express Company, 
20 " Wells Fargo & Company Express, 
100 " Springfield F. and M. Insurance Co., 
75 " Morgan Envelope Company, 
46 " X. Y. and X. J. Telephone Co , 
26 " Patterson Electric Light Company 
83 " Hartford Manilla Company, . 
60 " United Electric Light Company, 
50 " Boston Herald Company, 
Connecticut River Paper Company bonds, 
140 shares Hampden Paint and Chemical Co 
A..&S.L. Martinson, Sedgwick Co.,Kan.,mort. 
70 shares United Electric Light Company, 
50 shares L. L. Brown Paper Company, . 
Ponghkeepsie Bridge Company bonds, . 
Renfrew Manufacturing Company bonds, 
Dunn & McCarthy first mort. real est. bonds, 
Poughkeepsie Bridge Company bonds, . 
St. Joseph Water Company bonds, . 
500 shares St. Joseph Water Company, . 
125 shares Austin, Tex , Gas Company, . 
\)cs Moines & Kansas City Railroad bonds, 



Cash Loans. 

Market value. Amount loaned. 

$3,040 00 $1,900 00 

50,000 00 45,000 00 



60,000 
20,000 
20,000 
25,500 

2,000 
750 
600 

7,500 
13,000 
12,000 

5.382 
14,000 
500 
18,000 
15,000 
19,800 

7,500 
62,500 
30,000 
50,000 
20,000 

3,000 

2,800 
20,000 
13,125 

4,600 

2,600 
10,375 

6,000 
37,500 
78,750 
14,000 

3,990 

7,000 
20,000 
36,000 
15,750 

5,000 

36,000 

105,000 

12,500 

6,250 
26;250 



42,000 00 
20,000 00 
20,000 00 
15,900 00 
1,800 00 

1,000 00 

5,000 00 
10,000 00 

5,000 00 

2,500 00 

10,000 00 

500 00 

15,000 00 

5,000 00 
15,000 00 

5,000 00 
50,000 00 
25,000 00 
40,000 00 
10,000 00 

15,000 00 



20,000 00 



25,000 00 

75,000 00 

8,600 00 

2,000 00 

5,000 00 

10,000 00 

25,000 00 

15,000 00 

5,000 00 

25,000 00 

I 100,000 00 

25,000 00 
$923,562 00 $701,200 00 



L889.J 



INSURANCE COMPANIES. 



19 



Schedule B. 

'ks and Bo?ids owned by the Company. 

Cost. Market value. 

Massachusetts Armory Loan bonds,. . . $100,000 00 $110,000 00 

BurlingtOD & Missouri Railroad bonds, . . 89,168 75 90,000 00 

Chicago, Burlingtoc & Quincy Railroad bonds, 94,300 00 95,800 00 

Chicago, Burlington & Northern R.R. bonds, . 144,300 00 152,000 00 

Mahoning Coal Railroad bonds, . . . 45,097 24 55,000 00 

Southern Central Railroad bonds, . . . 53,490 00 53,406 00 

Lebanon Springs Railroad receivers' cert., . 46,732 16 48,732 16 

Oregon Short Line Railway bonds, . . . 21,915 00 28,500 00 

Central Iowa Railroad bonds, .... 76,740 00 51,833 00 

St. Louis & Hannibal Railroad bonds, . . 4,000 00 4,000 00 

Rutland Railroad bonds 30,000 00 33,000 00 

Northern Pacific Railroad bonds, . . . 45,000 00 45,000 00 

Helena & Red Mountain Railroad bonds, . 40,000 00 40,000 00 

Cedar Rapids & X. Western Railroad bonds, . 50,000 00 47,500 00 

Marquette, Houghton & Ontonagon R.R. bonds, 50,000 00 52,500 00 

American Dock and Improvement Co. bonds, . 45,562 50 55,000 00 

Canada Southern Railway bonds, . . . 22,125 00 24,250 00 

Wabash Railroad bonds 88,315 68 101,500 00 

Verdigris Val, Ind. & Western R.R. bonds, . 50,000 00 50,000 00 

St. Louis, Iron Mountain & So. R.R. bonds, . 24,082 50 22,000 00 

Boston, Iloosac Tunnel & Western R R. bon<K 22,875 00 24,500 00 

Louisville & Nashville Railroad bonds, . . 78,187 50 85,645 00 

Last Tenn., Virginia & Georgia R.R. bonds, . 49,062 50 52,000 00 

Long Dock bonds, 50,000 00 60,000 00 

Kansas City, Memphis & Birm. R.R. bonds, . 23,750 00 24,750 00 

Grand Rapids, Lansing & Detroit R.R. bonds, 100,000 00 100,000 00 

St. Louis & Omaha Railroad bonds, . . 50,000 00 52,500 00 

Des Moines & Kansas City Railway bonds, . 25,000 00 25,000 00 

Nash., Chattanooga & St Louis Ry bonds, . 50,000 00 55,000 00 

St. Paul, Minneapolis & Manitoba R'y bonds, . 42,874 75 43,250 00 

Midland Railroad of New Jersey bonds, . . 25,000 00 28,750 00 

Maine Central Railroad bonds, . . . 49,875 00 50,000 00 

Ohio, Indiana & Western Railway bonds, . 84,647 25 70,000 00 

Pittsburg, Painsville & Fairport R.R. bonds, . 47,500 00 47,500 00 

Chicago & North Western Railroad bonds, . 24,000 00 25,200 00 

Leavenworth County, Kan., bonds, . . . 35,652 60 36,252 60 

Marion County, Kan., bonds, .... 15,500 00 15,500 00 

Rice County, Kan., bonds, .... 50,000 00 52,500 00 

Chautauqua County, Kan , bonds, . . . 37,620 00 38,000 00 

Cowley County, Kan , bonds, .... 50,000 00 50,000 00 

Saline County, Kan , bonds, .... 58,000 00 58,000 00 

Clay County, Kan, bonds, . 48,000 00 50,000 00 

Oswego township bonds, 28,500 00 30,000 00 

Burlingame city bonds, 4,000 00 4,000 00 

Topeka city bonds, 30,000 00 31,500 00 

City of Kansas School District bonds, . . 5,900 00 5,900 00 



20 



MASSACHUSETTS LIFE 



[Dec. 31, 



Cost. Market value. 

White County, HI., bonds $100,000 00 $105,000 00 

Cass County, 111., bonds 17,100 00 19,000 00 

Perry County, III., bonds 12,000 00 12,000 00 

Saline County, 111., bonds 30,000 00 31,500 00 

Town of Douglass, HI., bonds, . . . . 32,000 00 32,000 00 

Town of Kankakee, III., bonds, . . . 3,000 00 3,000 00 

Town of Edwardsville, 111., bonds, . . . 11,700 00 12,000 00 

Town of Monmouth, 111 , bonds, . . . 24,375 00 25,000 00 

Town of Kewanee, 111., school bonds, . . 27,500 00 27,500 00 

Lancaster County, Neb , bonds, . . . 69,970 00 70,000 00 

Paulding County, O., bonds, .... 5,000 00 5,000 00 

Henry County, O., bonds, 30,000 00 30,000 00 

City of Morehead, Minn., bonds, . . . 10,000 00 10,500 00 

Freeman Manufacturing Company bonds, . 30,000 00 30,000 00 

Marshalltown, la., bonds, 29,000 00 29,000 00 

City of Clinton, la., bonds 20,000 00 20,000 00 

Pleasant Corner, la., bonds, .... 10,000 00 10,000 00 

Wallingsford Gas Light €o. bonds, Conn., . 19,500 00 20,000 00 

Council Bluffs city bonds, la., .... 30,000 00 30,000 00 

City of Fairfield bonds, 17,575 00 19,000 00 

Hornellsville Water Company bonds, N. Y., . 24,375 00 26,250 00 

National Water Works Company bonds, N. Y , 97,500 00 105,000 00 

Omaha City Water Works Co. bonds, Neb., . 75,000 00 82,500 00 

Leavenworth City Water Co. bonds, Kan., . 50,000 00 55,000 00 

Knoxville Water Company bonds, Tenn , . 34,500 00 35,000 00 

Galesburg Water Company bonds, 111., . . 23,575 00 5,750 00 

Marseilles Water Power Company bonds, 111., 5,000 00 5,000 00 

Chippewa Falls Water Works Co. bonds, Wis., 34,868 15 38,850 00 

Leadville Water Company bonds, Col., . . 29,875 00 31,000 00 

Crookston W.W., Power and Light Co. b'ds, Minn., 45,000 00 49,500 00 

50 shares Second NatU Bank, Springfield, . 6,132 50 7,750 00 

20 " Pynchon Nat'l Bank, Springfield, . 1,975 00 3,200 00 

34 " First National Bank, Northampton, 3,455 50 4,420 00 

65 " Franklin Co. Nat. B% Greenfield, 6,305 00 6,500 00 

300 " Globe National Bank, Boston, . 29,900 00 30,000 00 

246 " Chelsea National Bank, Chelsea, . 31,980 00 31,980 00 

500 " Boston & Albany Railroad, . . 62,521 86 108,500 00 

361 " Connecticut River Railroad, . . 61,062 50 75,449 00 

234 " N. Y., N. II., & Hartford R.R., . 45,710 50 57,330 00 

500 " Chic, Burlington & Quincy R.R , . 65,504 33 53,500 00 

600 " Albany & Susquehanna Railroad, . 76,362 50 100,500 00 

1100 " Lake Shore & Michigan So. R.R., 121,712 50 114,950 00 

300 " Chicago & North Western R.R., . 32,975 00 33,000 00 

200 " Pittsburg, Ft. Wayne & Chic. R.R., 27,400 00 31,000 00 

1000 " Detroit, Hillsdale & S. West. R.R., 71,550 00 85,000 00 

40 " St. Louis & Hannibal Railroad, . - 4,000 00 

20 " Oregon Short Line Railroad, . - 1,100 00 

327 " Central Iowa Railroad, . . . - 8,187 00 



1889.] 



INSURANCE COMPANIES. 



21 



48"» -hare- Union Paper Manufacturing Co., 
200 " "SU. Pleasant, la , Water Co., 
I " Silverton Water Company, . 
1260 " No. Poudre Land and (anal Co., 
8760 " RioGrande Land and Canal Co., 



Cost. 

$19,920 00 

16,530 54 

26,844 95 

10,647 55 

5,625 00 



Market value. 

$19,400 00 
20,000 00 
33,600 00 
12,500 00 
37,500 00 



$3,882,301 81 $4,129,484 76 



NEW ENGLAND MUTUAL LIFE INSURANCE COMPANY, 

BOSTON. 

[Incorporated April 1, 1835. Commenced business Dec. 1, 1843.] 

Benjamin F. Stevens, President. S. F. Trull, Secretary. 

Principal Office, Post Office Square. 



Income. 

New premiums without deductions, 
Renewal premiums, 



Total, 

( a sh received for interest, 

for rents of company's property 
for profit and loss account, 



Total income, .... 
Net or ledger assets, Dec. 31, 1888, . 



$369,735 87 
2,259,149 88 

$2,628,885 75 

888,353 01 

94,022 53 

60,875 70 



Total, 



13,672,136 99 
18,214,534 45 

$21,886,671 44 



Disbursements. 

Cash paid for losses and additions, 

Premium notes or loans used in payment of same, . 
Cash paid for matured endowments and additions, 
Premium notes or loans used in payment of same, . 

Gross amount paid for losses and endowments, 
Cash paid for surrendered policies, ..... 
Premium notes or loans used in purchase of surrendered 

policies and voided by lapse, 

Cash distributions paid policy-holders, applied in payment of 

premiums, 

Premium notes or loans used in payment of distributions, 

Total paid policy-holders, 



:,158,163 29 

32,668 71 

248,997 01 

10,137 99 

,449,967 00 
203,823 58 

39,241 31 

537,316 68 
23,694 05 

2,254,042 62 



22 



MASSACHUSETTS LIFE 



[Doc. 31, 



Cash paid for commissions to agents, 

for medical examiner's fees, . 

for salaries of officers and office employees, 

for taxes and fees, 

for incidentals, 

for accrued interest on securities purchased, 

Total disbursements, 

Balance, 



$208,721 58 
16,540 50 

101,019 0-4 
45,188 89 

160,039 70 
12,203 95 

$2,803,822 28 

$19,082,849 10 



Invested in the following : — 

Assets as per Ledger Accounts 

Cost value of real estate, 

Loans on mortgage of real estate (first liens), 
on collateral security (schedule A), 
on company's policies assigned as collateral, 
Premium notes or loans on policies in force, . 
Cost value of stocks and bonds owned (schedule B), 

Cash deposited in bank, 

Quarterly and semi-annual premium notes, 

Ledger assets (as per balance), 



Other Assets. 

Interest due and accrued, .... 
Rents due and accrued, .... 
Market value of stocks and bonds, over cost, 
Uncollected premiums on policies in force, 
Deduct loading (20 per cent ), 
Net am't of uncollected and deferred prem's, 



$1,697,420 20 

2,900,405 00 

1,034,908 04 

0,400 00 

048,354 48 

11,811,800 57 

686,978 97 

296,461 90 

$19,082,849 16 



207,903 03 

12,051 65 

1,192,942 55 



$183,129 07 
36,625 82 



Total assets per company's books, 



146,503 25 
$20,642,249 64 



Liabilities. 
Computed premium reserve or net present value of all out- 
standing policies (actuaries' 4 per cent), . . . $17,809,270 00 
Death losses due and unpaid, .... $94,901 00 
Matured endowments due and unpaid, . . 32,344 00 

Total policy claims, 127,245 00 

Unpaid distributions of surplus due policy-holders, . . 106,195 15 



Liabilities as to policy-holders, . 
Surplus as regards policy-holders, . 

Gross liabilities, 

Prkmum Note Account. 
Premium notes on hand Dee. 31, 1888, . . f660,482 23 
Premium notes 'received during 1889, . . 598,855 51 
Total, 



$18,042,710 15 
. 2,599,539 49 

$20,642,249 64 



$1,259,337 74 



L889.] 



INSURANCE COMPANIES. 



23 



Used in payment of losses and claims, . . $42,806 70 
Used in payment of surrendered policies and 

voided by lapse, 39,241 31 

Used in payment of dividends to policy-holders, 23,694 05 

Redeemed by maker in cash, .... 505,241 20 

Total, 

Balance note sssets, !)<'«•. 31, 1889, 



6010,983 26 
$048,354 48 



Exhibit of Policies. 
Policies and Additions in force Dec. 31, 1888. 

Number. Amount. Total No. Total Amount. 

Whole lite. . . . 10,719 |82,084,686 00 

Endowment. . . . 13,528 38,505,319 00 

All other, . . . . l,0l 2,941,236 00 

25,305 $73,591,241 00 



Whole life. 
Endowment, 
All other, . 



Policies issued during the Year. 

4 .040 00 

. 3,692 10,829,916 00 

18 00 
3,696 



10,856,580 00 



Whole life, 
Endowment, 
All other, . 



Old Policies revived. 

29 $78,607 00 

30 66,000 00 
1 2,500 00 



60 



147,107 00 



Whole life, 
Endowment, 



Old Policies increased. 

$6,656 00 
3 56,712 00 



3 



63,368 00 



Total, 29,064 $84,658,296 00 

Policies terminated during the Year. 

Whole life. ... 388 $1,260,438 00 

Endowment. . . . 1,428 4,025,777 00 
All other, .... 152 4 L7, 178 00 





1,968 


$5,703,393 00 




Eou: k 


rrninated. 


Br death 


378 


$1,190,569 00 


maturity. 


131 


273,106 00 


expiry, . 


139 


376,850 00 


surrender, . 


468 


1,077,981 00 


lapse, . 


454 


1,559,414 00 


change and decrease, 


3 


106,473 00 


Xot taken, . 


395 


1,119,000 00 



1,968 5,703,393 CO 



24 



MASSACHUSETTS LIFE 



[Dec. 31, 



Whole life, 
Bndowment, 

All other, . 



Policies in force Dec. 31, 18S,'). 

N'utnber. Amount. Total No. Total Amount. 

. 10,364 $30,936,157 00 
. 15,825 45,492,170 00 
907 2,526,576 00 
27,096 $78,954,903 00 



Schedule A. 



Scctiritics held as Collateral for Cash Loans. 

Market value. 
12 shares Freeman's National Bank, Boston, . $1,248 00 

Huntington Avenue lands certificates, . . 9,000 00 

30 shares American Bell Telephone Company, 6,090 00 

4 shares Freeman's National Bank, Boston, . 416 00 
Chicago & Eastern Illinois Railroad bond, . 1,180 00 
Atchison, Topeka & Santa Fe R.R. bonds, . 2,310 00 
Huntington Avenue lands certificates, . . 39,000 00 
25 shares Chicago, Burlington & Quincy R.R., 2,650 00 
70 'shares Atchison, Topeka & S. F6 R.R., . 2,336 25 

Policy of life insurance, 2,745 40 

150 shares Grand Ave. St R'y, Kansas City, . 13,500 00 

39 shares Metropolitan St. R'y, Kansas City, . 3,510 00 

South Florida Railroad Company bonds, . . 14,000 00 

55 shares Boston & Albany Railroad, . . 11,935 00 

Eastern Railroad bonds, 3,720 00 

Mortgage note assigned, 5,500 00 

100 shares Third National Bank, Boston, . 10,500 00 

St. Louis & San Francisco Railway bond, . 1,125 00 

New York & New England Railroad bonds, . 63,500 00 "| 

( 'incinnati, Sandusky & Cleveland R R. bonds 

Burlington & Mo. River R R., Neb., bonds, 

250 shares Rensselaer & Saratoga Railroad, 

Huntington Avenue lands certificate, 

West End Street Railway note, 

350 shares Metropolitan St. R'y, Kansas City, 

74 shares Third National Bank, Boston, . 

City of Chelsea bond, .... 

L50 shares Grand Ave. St R'y, Kansas City, 

Atchison guarantee fund notes, 

90 shares Third National Bank, Boston, . 

Huntington Avenue lands certificates, 

560 Bhares Metropolitan St. R 1 y, Kansas City, 

L200 shares Lake Shore & Mich Southern R'y, 

Oregon [mprovement Company bonds, . 

Oregon and Transcontinental Company bonds, 15,600 00 

RiO Grande Western Railway bonds, . . 11,137 50 

L00 shares Flint &Pere Marquette Railroad, . 9,300 00 J 

5 shares American Bell Telephone Company, 1,015 00 



15,150 00 
18,000 00 ( 
45,000 00 j 

3,000 00 

100,000 00 

31,500 00 

7,770 00 ) 

1,095 00 S 
13,500 00 
117,600 00 

9,450 00 

24,000 00 

49,500 00 

125,400 00 

10,150 00^ 



Amount loaned. 

$1,000 00 

4,868 04 

3,300 00 

300 00 

2,250 00 

19,700 00 
1,875 00 

4,000 00 

15,000 00 

12,000 00 
8,000 00 
3,000 00 
1,000 00 

10,000 00 



125,000 00 

1,475 00 

100,000 00 

20,000 00 

7,400 00 

10,000 00 

100,000 00 

5,000 00 

15,100 00 

36,000 00 

100,000 00 



}> 25,000 00 



500 00 



L889.] 



INSURANCE COMPANIES. 



25 



Omaha A: Republican Valley Railway bonds, 

Cheyenne \- Northern Railway bonds, 

Union Pacific Railway bonds, . 

Green River Water Works Company bonds, 

Utah Southern Railroad bonds, 

Colorado Central Railroad bonds, . 

*B08ton, Concord & Montreal Railroad bond-. 

L200 shares Oregon R"y and Navigation Co., 
Boston, Concord & Montreal Railroad bonds, 
33 shares Atchison, Topeka & 6. Fe R.R., 
Atchison, Topeka cv. Santa Fe R.R. bond-, 



Market value. Amount loaned. 

$50,000 00' 
25,000 00 

23,000 00 . |250,000 00 

80,000 00 r 

58,500 00 

42,000 00 

44,400 00 

120,000 00 

11,100 00 

1,101 38 

2,142 00 



40,000 00 

100,000 00 

10,000 00 

3,200 00 



11,269,676 53 $1,034,968 04 



Schedule B. 
Stocks and Bonds owned by the Company. 



72 shares Atlantic National Bank, 

100 " Bay State National Bank. 

888 " Boston National Bank, . 

100 " Continental National Bank, . 

50 " First National Bank, Cambridge, 

21 " Massachusetts National Bank, 

91 " Merchants' National Bank, . 

107 " National City Bank of Lynn, 

150 " National Revere Bank, . 

150 " National Hide and Leather Bank. 

240 " National Eagle Bank, . 

320 " Tremont National Bank, 

200 " National Webster Bank, 

375 " Boston Safe Deposit and Trust Co, 

260 " Merchandise National Bank, 

120 " State National Bank, . 

TOO " Third National Bank, . 

300 " Globe National Bank, . 

401) " Nicollet National Bank, 

200 " American Loan and Trust Co., 

250 " Boston National Bank of Seattle, 

817 " N. E. Safe Dep. & Trust Co. of Mo, 

850 " Boston & Albany Railroad, . 

300 " Boston & Providence Railroad, 

1278 " Chic, Burlington & Quincy R.R., 

800 " Connecticut & Passumpsic R.R., 

250 " Fitchburg Railroad, 

180 " NT. Y., N. Haven & Hartford R.R 

850 " Xorwich & ^Yorcester Railroad, 

100 " Northern Railroad, 

200 " Connecticut River Railroad, . 



Cost. 

$7,101 00 
7*600 00 

33,300 00 
10,000 00 
5,000 00 
5,250 00 
9,100 00 
10,700 00 
15,000 00 
15,000 00 
24,000 00 
31,951 25 
20,000 00 
37,500 00 
25,000 00 
10,273 10 
70,000 00 
30,000 00 
40,000 00 
20,000 00 
25,000 00 
79,974 77 
85,000 00 
29,950 00 
127,732 77 
80,000 00 
24,759 00 
18,000 00 
84,925 25 
10,000 00 
20,000 00 



Market value. 

$10,800 00 
15,000 00 
40,G2G 00 
12,000 00 
9,237 50 
5,670 00 
13,195 00 
20,865 00 
18,525 00 
18,300 00 
25,320 00 
35,840 00 
20,800 00 
71,250 00 
16,500 00 
15,000 00 
73,500 00 
30,000 00 
40,000 00 
23,600 00 
25,000 00 
81,700 00 

184,450 00 
78,000 00 

136,746 00 
92,800 00 
20,750 00 
43,560 00 

149,600 00 
15,300 00 
41,800 00 



26 



MASSACHUSETTS LIFE 



[Dec. 31, 



Cost, Market value. 

266 shares Chicago & Alton Railroad, . . |26,600 00 $42,560 00 

105 " Eastern* N. H., Railroad, . . 3,150 00 11,130 00 

200 " Portland, Saco & Portsmouth RR, 20,000 00 25,100 00 

575 " Atchison, Topeka& Santa Fe RR., 51.712 50 19,190 02 

200 " Boston & Lowell Railroad, . . 20.000 00 83,600 00 

1120 " Metropolitan St. R'y, Kansas City, 109,500 00 100,800 00 

500 " West End Street Railway, . . 25,000 00 42,500 00* 

5 " Dwight Manufacturing Company, 5,000 00 3,750 00 

5 " Massachusetts Cotton Mills, . . 5,000 00 5,250 00 

120 " Massachusetts Title Insurance Co., 12,000 00 12,000 00 

981 " Land Title Guar. Co., Kansas City, 45,832 40 49,050 00 

1000 " Boston Northwest Real Estate Co., 70,000 00 70,000 00 

Boston Gas Syndicate, 50,000 00 50,000 00 

Eastern Railroad bonds, 275,000 00 341,000 00 

Phila., Wilmington & Baltimore R.R. bonds, . 193,871 G7 207,300 00 

Boston, Concord & Montreal Railroad bonds, . 500,000 00 535,000 00 

Chicago, Burlington & Quincy Railroad bonds, 120,000 00 151,140 00 

Worcester & Nashua Railroad bonds, . . 75,000 00 78,750 00 

New Haven & Derby Railroad bonds, . . 14,250 00 18,750 00 

Chicago & Eastern Illinois Railroad bonds, . 97,050 00 99,000 00 

Fremont, Elkhorn & Mo. Valley R.R. bonds, . 50,000 00 61,000 00 

Maine Central Railroad bonds, . . . 48,850 00 53,500 00 

Ottumwa, Cedar Falls & St. Paul R.R. bonds, . 50,000 00 53,250 00 

Dayton & Michigan Railroad bonds, . . 50,000 00 54,000 00 

Delaware & Chesapeake Railroad bonds, . 108,531 25 104,500 00 

Pittsburg, Cleveland & Toledo R.R. bonds, . 50,000 00 53,500 00 

Michigan Central Railroad bonds, . . . 100,000 00 112,250 00 

Chicago, Milwaukee & St. Paul R.R. bonds, . 98,942 50 106,125 00 

Mo. Valley & Blair R'y and Bridge Co. bonds, 25,000 00 25,750 00 

Northern Illinois Railroad bonds, . . . 100,000 00 109,000 00 

Chicago & Northwestern Railroad bonds, . 50,000 00 54,300 00 

Kansas City, Clinton & Springfield R R. bonds, 50,000 00 49,000 00 

Union Pacific Railroad bonds 100,000 00 100,000 00 

Burlington & Mo. River R.R., Neb., bonds, . 190,781 25 180,000 00 

St. Joseph & Grand Island Railroad bonds, . 50,000 00 52,500 00 

Corrigan Con. Street R'y, Kansas City, bonds, . 100,000 00 100,000 00 

St. Louis Cable & Western Railway bonds, . 50,000 00 50,000 00 

Spokane & Palouse Railway bonds, . . . 25,000 00 26,750 00 

Chicago, Burlington & Missouri R R. bonds, . 100,000 00 100,000 00 

Helena & Red Mountain Railroad bonds, . 50,000 00 50,000 00 

Kansas City Cable Railway bonds, . . . 99,500 00 100,000 00 

Dakota A Great Southern Railway bonds, . 100,000 00 100,000 00 

Defl Moines & Fort Dodge Railroad bonds, . 21,500 00 21,250 00 

Maine Central Railroad bonds, . . . 180,862 50 180,000 00 

Housatonie Railroad bonds, .... 100,000 00 106,000 00 

Duhitl. & Iron Range Railroad bonds, . . 47,500 00 50,000 00 

Chicago, Rock Island & Pacific R'y bonds, . 100,000 00 107,000 00 

Fitohburg Railroad bonds, .... 50,00000 54,50000 

Baltimore & Ohio Railroad bonds, . . . 50,000 00 54,000 00 



59.] 



INSURANCE COMPANIES. 



27 



lersel Railway bonds, 
Grand Rapids, Lansing A: Detroit R.R. bonds,. 

(.rand Avenue Kansas City, Railway bonds, . 
St Paul, Minneapolis & Manitoba Wy bonds 
Oregon short Line Railway bonds, . 

Louisville. Kvansville & St. Louis R.R. bond-. 
Evansville, Terre Haute & Chicago R*y bonds, 
Boston & Providence Railroad bond 
Boston & Maine Railroad bond-. 

Denver City Cable Railway bond-. 

Metropolitan St Railway, Kansas City, bonds 

Pennsylvania Railroad bonds, 

Strawn & Indiana State Line Railroad bonds, 

Michigan Central Railroad bond-. 

Atchison, Topeka & Santa Fe R.R. bonds 

Albany bond-. . 

Boston city loan. 

Chicago city loan, 

- 

New Hampshire loan, 

Chelsea city loan, 
Lawrence city loan, . 

Lynn city bonds, 

Massachusetts bond-, 

Rhode Island bond-. . 

Cincinnati bonds, 

Worcester bond.-, 

Lowell bonds, . 

Brookline bond-. 

Fitchburg bond-. 

Springfield bonds, 

Providence bonds, 

Norwich bond-. . 

Fall River bonds, 

Holyoke bonds, . 

Newton bonds, . 

Haverhill bonds, 

New York city bonds. 

New Bedford bonds, . 

Salem bonds, 

Taunton bonds, . 

Lewiston bonds, 

Pawtucket bonds, 

Kansas City School District bonds, 

Lawrence. Kan., bonds, 

Lincoln. Xeb., bonds, 

Indianapolis bonds, . 

Minneapolis bonds, . 

St. Paul bonds, . 

Shebovgan, Wis., bonds, 



Cost. 

$97,500 00 
29,250 00 

95,500 00 
48,500 00 
50,000 00 
99,000 00 
10,000 00 
100,000 00 
150,000 00 
100,000 00 
192,000 00 
150,000 00 
50,000 00 
98,500 00 
474,215 00 
28,256 00 
$58,136 12 
70,850 00 
26,000 00 
,504 17 
186,210 83 
226,000 00 
98,172 35 
50,000 00 
85,000 00 
85,000 00 
56,533 33 
225,000 00 
125,485 17 
126,000 00 
146,403 06 
94,000 00 
203,000 00 
5,000 00 
70,000 00 
2,000 00 
100,000 00 
10,000 00 
10,000 00 
39,000 00 
100,000 00 
150,000 00 
50,000 00 
50,000 00 
49,583 33 
100,000 00 
185,000 00 
100,000 00 
100,000 00 



Market value 

J 100,000 00 

29,100 00 

97,500 00 

50,500 00 

56,000 00 

108,405 00 

10,000 00 

104,000 00 

153,000 00 

100,000 00 

200,000 00 

152,250 00 

51,500 00 

98,500 00 

418,005 00 

27,060 00 

1,088,348 00 

81,000 00 

32,725 00 

232,140 00 

203,990 00 

258,845 00 

111,495 00 

55,000 00 

110,050 00 

mi, 150 oo 

58,140 00 

240,750 00 

151,790 00 

173,250 00 

157,000 00 

118,160 00 

220,820 00 

5,850 00 

88,100 00 

2,030 00 

118,000 00 

11,600 00 

11,800 00 

44,460 00 

115,000 00 

165,000 00 

51,000 00 

50,000 00 

50,000 00 

101,000 00 

193,250 00 

111,000 00 

101,000 00 



28 



MASSACHUSETTS LIFE 



[Dec. 31 



Helena bonds, 

Town of Eden, Me., notes, 
Chamber of Commerce, Minneapolis, bonds, 
St. Paul Chamber of Commerce bonds, . 

Minneapolis Gas Light Company bonds, . 

Jarvis-Conklin Mortgage Trust Co. bonds, 

Jamaica Plain Gas Light Company notes, 

Nicollet National Bank notes, . 

Boston, Concord & Montreal Railroad notes, 

Norwich & Worcester Railroad notes, 

St. Louis Cable & Western Railway notes, 

United States bonds, 



Cost. 

$50,000 00 

104,000 00 
97,500 00 
48,750 00 
50,000 00 
99,000 00 
20,000 00 
50,000 00 
20,000 00 

300,000 00 
20,000 00 

106,000 00 



Market value. 

|54,500 00 

104,000 00 

100,000 00 
50,000 00 
57,500 00 

100,000 00 
20,000 00 
50,000 00 
20,000 00 

300,000 00 
20,000 00 

205,100 00 



§11,811,800 57 $13,004,743 12 



STATE MUTUAL LIFE ASSURANCE COMPANY, WORCESTER. 

[Incorporated March, 1844. Commenced business June, 1845.] 

A. G. Bullock, President. Henry M. Witter, Secretary. 



Income. 

New premiums without deductions,. 
Renewal premiums, . . . . 
Premiums paid by dividends, including additions, 



Total, 

Deduct amount paid for reinsurance, 

Total premium income, .... 
Cash received for interest, .... 
for rents of company's property, 
for profits on bonds or stocks sold, 



Total income, .... 
Net or ledger assets, Dec. 31, 1888, . 



Total, 



Disbursements. 

Cash paid for losses and additions, 

Cash paid for matured endowments and additions, . 

Gross amount paid for losses and endowments, 

Cash paid for surrendered policies, 

Premium notes or loans used in purchase of surrendered 

policies and voided by lapse, 

Cash dividends paid policy-holders, applied in payment of 
premiums, 



Total paid policy-holders, . 



$397,853 83 
646,939 36 
158,428 85 

$1,203,222 04 
1,661 96 

$1,201,560 08 

237,964 63 

4,257 65 

605 10 

$1,444,387 46 
4,804,614 08 

$6,249,001 54 



$282,003 46 
54,900 00 

$886,903 46 

86,009 74 

11,584 80 

158,428 85 
£592,926 85 



L889.] 



[INSURANCE COMPANIES. 



29 



Cash paid for commissions to agents, 

for salaries and travelling expense 
formedical examiner's fees, . 

for salaries of officers and office em 

for taxes and fees, . 

for advertising and incidentals, 

Total disbursements 

Balance 



of agents, 

ployees, . 



$150,051 80 
42,944 90 
10,056 50 
22,150 00 
16,683 58 
13,558 61 

$848,372 24 

$5,400,629 30 



Invested in the following: — 

\ — ir- \s i'f.k Lkih.kk Accounts 

( !ost value of real estate, 

Loan- on mortgage of real estate (firsl liens), 
on collateral security (schedule A), 
on company's policies assigned as collateral, 

Premium notes or loans on policies in force, , 

Cost value of stocks and bonds owned (schedule B), 

Cash in company's office, 

(.'ash deposited in bank, 

Ledger assets (as per balance), 



$386,000 00 
976,659 00 
208,000 00 
294,486 00 
124,869 38 

3,262,484 84 

17,165 28 

130,964 80 

$5,400,629 30 



Other Assets. 

Interest due and accrued, 

Rents due and accrued, 

Market value of stocks and bonds, over costs,. 

Total assets per company's books, . 



53,200 00 

800 00 

204,575 16 

$5,659,204 46 



Liabilities. 

Computed premium reserve or net present value of all out- 
standing policies (actuaries 1 4 per cent.), 
Deduct net value of reinsured risks, 



Net reinsurance reserve, . 
Death losses and matured endowments in process 
ment, . . . 



Liabilities as to policy-holders, . 
Surplus as regards policy-holders, . 



Gross liabilities, 



of adjust 



f4,843,680 00 
6,245 00 

$4,837,435 00 

13,286 00 

$4,850,721 00 
808,483 46 

$5,659,204 46 



Premium Note Account. 
Premium notes on hand Dec. 31, 1888, . . $114,555 11 
Premium notes received during 1889, . . 249,451 38 
Total, ' 



$364,006 49 



30 



MASSACHUSETTS LIFE 



[Dec. 31, 



Used in payment of surrendered policies and 

voided by Lapse, 

Redeemed by maker in cash, . 

Total, 

Balance note assets, Dec. 31, 1889, . 



SI 1,584 80 
227,552 31 



$239,137 11 
§124,869 38 



Exhibit of Policies. 
Policies and Additions in force Dec. 31, 1889. 

Number. Amount. Total No. Total Amount. 

Whole life, . . . 3,668 $9,223,75-4 00 
Endowment, . . . 6,158 17,245,129 00 
Reversionary additions, . ' - 196,302 00 

9,826 $26,665,185 00 



Policies issued during the Year. 



Whole life, 


110 


$367,000 00 






Endowment, 


1,887 


5,654,000 00 


1,997 
8 


6,021,000 00 
1,896 00 


Old policies revived,. 






Old policies increased, 


. 


. 


- 


21,669 00 


Additions by dividends, . 


• 


• 


- 


50,183 00 



Total, . 



11,831 $32,759,933 00 



Whole life, 
Endowment, 
All other, . 



Policies terminated during the Year. 

176 $416,861 00 

648 1,856,562 00 

10,080 00 





824 


$2,283,503 00 




How terminated. 


By death, . 


115 


$269,681 00 


maturity, 


27 


54,840 00 


expiry,. 


30 


61,500 00 


surrender, . 


266 


689,578 00 


lapse, . 


251 


648,000 00 


change and decrease. 


- 


181,904 00 


Not taken, . 


135 


378,000 00 



824 2,283,503 00 



Policies in force Dec. 31, 1889. 



Whole life, 


. 3,602 


$9,173,893 00 


Endowment, 


7,397 


21,042,567 00 


All other, . 


8 


23,565 00 


Reversionary additions, 


. 


236,405 00 



11,007 $30,476,430 00 



1889.) 



INSURANCE COMPANIES. 



31 



Schedule A. 
Securities held as Collateral. 

Market value. 

Worcester, Nashua & Rochester RR. bonds, . $11,500 00 

Fremont, Elkhoni & Mo. Valley B R. bond, . 1,150 00 

Oregon Short Line Railroad bonds,. . . 1,100 00 

Chicago water loan bonds 3,750 00 

Chicago, Burlington & Quincj B R. bonds, . 2,000 00 

loo shares Norwich & Worcester Railroad, . 17,000 00 

12 " Boston & Albany Railroad, . . 2,520 00 

80 " Fitcbburg Railroad, . . . 2,550 00 

Massachusetts & Southern Con. RR. bonds, . 31,500 00 

Midland Railroad of New Jersey bomb. . 2,200 00 

Worcester & Nashua Railroad bonds, . . 5,200 00 

•jo shares X. V. Cent. & Hudson R. RR,. . 2,120 00 

500 shares Worcester Consolidated street R'y, 65,000 00 

County Luzerne, Pa, bond, .... 1,00000 

K> shares Worcester Consolidated Street R\. . 1,300 00 

Worcester Consolidated street Railway bonds, 10,500 00 

200 shares Wesl End Street Railway. . . 16,800 00 

Abstract Safety Vault Co., Chicago, bonds, . 50,960 00 

133 shares Illinois Central Railroad, . . 15,561 00 

50 - Chic, Rock Isl'd & Pacific R R , . 4,900 00 

50 " (irafton National Bank, . . . 5,000 00 

17 " National Bank of Illinois . . 3,400 00 

50 " Drovers 1 National Bank, . . . 6,250 00 

Abstract -safety Vault Co., Chicago, bonds, . 2,080 00 



Amount loaned. 

$10,000 00 

3,000 00 

1,600 00 

16,000 00 

2,800 00 

27,000 00 
2,000 00 
5,000 00 
1,400 00 

50,000 00 
950 00 

10,000 00 

10,000 00 
40,000 00 

15,000 00 
4,250 00 

9,000 00 



$265,341 00 $208,000 00 



Schedule B. 

Stocks and Bonds owned by the Company. 

Cost. Market value. 

Providence & Worcester Railroad stock, . . $66,893 50 f 113,620 00 

Chicago & Northwestern Railroad stock, . 14,012 50 14,100 00 

Morris & Essex Railroad stock, . . . 25,450 00 28,000 00 

Chicago, Rock Island & Pacific Railroad stock, 35,085 00 29,400 00 

Boston & Albany Railroad stock, . . . 85,351 50 105,000 00 

Old Colony Railroad stock, .... 43,874 25 51,000 00 

Boston & Maine Railroad stock, . . . 45,716 25 50,000 00 

Chicago, Burlington & Quincy Railroad stock, 13,462 50 11,660 00 

Illinois Central Railroad stock, . . . 34,183 34 31,590 00 

Chicago & Alton Railroad stock, . . . 27,800 00. 26,000 00 

Norwich & Worcester Railroad stock, . . 68,287 75 69,600 00 

New York, New Haven & Hartford R.R stock, 38,705 50 48,350 00 

New- London & Northern Railroad stock, . 18,000 00 19,500 00 

State Safe Deposit Company stock, . . . 4,500 00 4,500 00 

Central National Bank stock, Worcester, . 2,500 00 3,500 00 

First National Bank stock, Boston, . . . 5,000 00 11,500 00 



32 



MASSACHUSETTS LIFE 



[Dec. 31, 



City National Bank stock, Worcester, 
Third National Hank stock. Springfield, . 
Hide & Leather National Bank stock, Boston, 
siiawmnt National Bank stock, Boston, . 
Atlantic National Bank stock, Boston, 
Eliot National Hank stock, Boston, . 
Quinsigamond National Bank stock, Worcester 
Howard National Bank stock, Boston, 
Leicester National Bank stock, 
Continental National Bank stock, Boston, 
Republic National Bank stock, Boston, . 
Webster National Bank stock, Boston, 
Redemption National Bank stock, Boston, 
Tremont National Bank stock, Boston, . 
Worcester National Bank stock, 
Millbury National Bank stock, 
Wachusett National Bank stock, Fitchburg, 
Revere National Bank stock, Boston, 
Adams National Bank stock, North Adams, 
United States bonds, .... 

Worcester & Nashua Railroad bonds, 
Fitchburg Railroad bonds, 
Boston, Clin , Fitch. & New Bedford R R. bonds, 
New York, Lackawanna & Western R R. bonds, 
Chicago & Northwestern Railroad bonds, 
Michigan Central Railroad bonds, . 
New York Central & Hudson River R.R. bonds 
Chicago, Burlington & Quincy Railroad bonds 
New York & New England Railroad bonds, 
Chicago, Milwaukee & St. Paul R R bonds, 
Evansville, Terre Haute & Chicago R R. bonds 
Pittsburg, Cleveland & Toledo Railroad bonds 
Chicago & Eastern Illinois Railroad bonds, 
Boston, Barre & Gardner Railroad bonds, 
Strawn & Indiana State Line Railroad bonds, 
Central Pacific Railroad bonds, 
Burlington & Missouri River Railroad bonds, 
Cleveland, Columbus, Cin. & Ind. R.R. bonds 
Baltimore & Ohio Railroad bonds, . 
St. Paul, .Minneapolis & Manitoba R.R. bonds 
Lake Erie & Western Railroad bonds, 
Ilousatonic Railroad bonds, 
Long Island City & Flushing Railroad bonds 
Atlantic Avenue Railroad bonds, 
Third Avenue Railroad bonds, . 

( JhicagO, Hock Island & Pacific Railroad bonds 

Terre Haute & Indianapolis Railroad bonds, 
Chicago & Western Indiana Railroad bond-. 

Kings County Elevated Railway bonds, . 



Cost. 

$ 4,000 00 

10,000 00 

11,575 00 

6,725 00 

18,388 75 

4,075 50 

10,090 00 

9,931 50 

2,650 00 

10,012 50 

7,562 50 

5,275 00 

15,985 00 

13,300 00 

8,589 50 

5,000 00 

2,500 00 

6,756 25 

13,122 50 

166,000 00 

61,500 00 

66,125 00 

33,000 00 

73,271 25 

99,427 50 

145,300 00 

53,400 00 

28,400 00 

10,662 50 

29,750 00 

10,250 00 

21,200 00 

49,710 00 

31,590 00 

25,000 00 

30,000 00 

18,600 00 

19,800 00 

50,000 00 

57,625 00 

51,500 00 

77,750 00 

50,000 00 

15,675.00 

53,750 00 

40,000 00 

25,000 00 

27,500 00 

25,000 00 



Market value 

$5,000 00 

17,500 00 

12,880 00 

8,375 00 

20,250 00 

5,000 00 

11,000 00 

10,500 00 

3,125 00 

12,000 00 

10,500 00 

5,450 00 

15,180 00 

11,000 00 

8,820 00 

5,500 00 

5,000 00 

8,710 00 

13,320 00 

186,000 00 

61,800 00 

64,900 00 

33,300 00 

79,000 00 

100,960 00 

153,200 00 

53,600 00 

28,200 00 

12,000 00 

30,000 00 

10,700 00 

22,000 00 

57,500 00 

32,620 00 

25,000 00 

33,600 00 

19,000 00 

22,500 00 

53,000 00 

59,200 00 

54,000 00 

78,000 00 

52,000 00 

15,900 00 

55,000 00 

41,600 00 

27,000 00 

28,750 00 

26,250 00 



1880.] 



INSURANCE COMPANIES. 



33 



Milwaukee City Railroad bonds, 

Grand Avenue Railroad bonds, 

Chicago, St. Paul, Minn. & Omaha R.R. bonds 

Wabash Railroad bonds, 

Fulton Elevated Railroad bond 

Portland, Me . bonds, 

Northampton, Mass , bonds, 

Meriden, Conn., bonds, 

Bangor, Me., bonds, . 

Lawrence, Mass , bonds, 

Newton. Mass., bonds, 

Newburyport, Mass., bonds, 

Lowell, Mass , bonds, 

Worcester, Mass., bonds, 

Holyoke, Mass , bonds, 

Providence, R I , bonds, 

Boston, Mass., bonds, 

Lynn, Mass., bonds, . 

Clinton, Mass., bonds, 

Beverly, Mass., bonds, 

St. Paul, Minn., bonds, 

Cincinnati, O , bonds, 

Minneapolis, Minn , bonds 

St. Louis, Mo., bonds, 

Toledo, O., bonds, 

Omaha, Neb., bonds, . 

Nashville, Tenn., bonds, 

Holyoke Railroad bonds, 

Quincy Water Company, Mass., bonds, 

Montclair school bonds, 

Guildford town notes, 

Gardner Water Company loan, 

Worcester, Nashua & Rochester Railroad loan 

Worcester Gas Light Company loan, 

Gardner Electric Company loan, 



Cost. 

$25,000 00 
24,125 00 
57,500 00 
50,000 00 
25,000 00 
19,000 00 
23,500 00 
10,000 00 
26,375 00 
53,000 00 
26,750 00 

6,300 00 
62,500 00 
86,600 00 
11,200 00 
25,875 00 
75,125 00 
10,500 00 
41,400 00 
51,375 00 
50,500 00 

9,640 00 
41,922 50 
21,450 00 
30,825 00 
30,375 00 
10,000 00 

3,000 00 
20,000 00 

6,500 00 

4,000 00 
60,000 00 
72,000 00 
20,000 00 
30,000 00 



Market value. 

$26,250 00 
23,900 00 
58,500 00 
51,000 00 
25,000 00 
24,000 00 
25,000 00 
10,500 00 
30,000 00 
59,000 00 
25,500 00 

6,000 00 
62,000 00 
84,800 00 
10,000 00 
26,000 00 
78,000 00 
10,400 00 
41,200 00 
52,000 00 
51,000 00 

9,840 00 
43,460 00 
21,400 00 
31,500 00 
31,800 00 
10,500 00 

3,000 00 
20,000 00 

6,500 00 

4,000 00 
60,000 00 
72,000 00 
20,000 00 
30,000 00 



$3,262,484 84 $3,467,060 00 



LIFE INSURANCE COMPANIES 

OF OTHER STATES. 



Detailed Statements <>i Assets and Liabilities, with Abstract 
of Annual Statements, fob the Year ending 

December 31, 1889., 



35 



DETAILED STATEMENT OF ASSETS AND LIABILITIES. 



■ -.ETNA LIFE INSURANCE COMPANY," HARTFORD, CONN. 

[Incorporated 1820. Commenced business 1850.] 
Paid-up Capital, $1,250,000. 

Morgan G. Bulkelet, Presided. J. L. English, Secretary. 



Income. 
New premiums without deductions, 

Renewal premiums, 

Premiums paid by dividends, including additions, 



Total, 

Deduct amount paid for reinsurance, 

Total premium income, 

Cash received for interest, 

as discount on claims paid in advance, 
for rents of company's property, 
for profits on bonds or stocks sold, . 



Total income, 
Net or ledger assets, Dec. 31, 1888, 



Total, 



Disbursements. 

Cash paid for losses and additions, .... 
Premium notes or loans used in payment of same, . 
Cash paid for matured endowments and additions, 
Premium notes or loans used in payment of same, . 

Gross amount paid for losses and endowments, 
Received for losses and claims on policies reinsured, 



8580,179 69 

2,980,586 44 

178,644 69 

$3,739,410 82 

707 93 

$3,738,702 89 

1,747,019 21 

13,104 42 

. 11,825 43 

6,117 09 

$5,516,769 04 

32,324,197 59 

$37,840,966 6.3 



$1,584,896 29 

62,854 33 

1,024,423 35 

17,717 97 

$2,689,891 94 

2,990 00 



Net amount paid for losses and endowments, . 

Cash paid for surrendered policies, 

Premium notes or loans used in purchase of surrendered 
policies and voided by lapse, 

Cash surrender values, including reconverted additions ap- 
plied in payment of premiums, 

Cash dividends paid policy-holders applied in payment of 
premiums, 

Premium notes or loans used in payment of dividends, . 

Total paid policy-holders, 



$2,686,901 94 
138,247 96 

25,226 02 

178,644 69 

531,469 41 
80,950 81 

$3,641,440 83 



38 



LIFE INSURANCE COMPANIES' [Dec. 31, 



Cash paid for dividends to stockholders. . 

for commissions to agents, .... 
for salaries and travelling expenses of agents, 
for medical examiner's \'vc±, .... 
for salaries of officers and office employees, . 

for taxes and fees, 

for rent, 

for furniture and office fixtures, 

for advertising, ...... 

for incidentals, 

Total disbursements. 

Balance, 



$125,000 00 
494,995 05 
28,713 14 
32,456 00 
75,0C7 90 
97,248 78 
20,775 72 
711 75 
11,028 92 
73,594 Gl 

. $4,601,032 70 

$33,239,933 93 



Invested in the following 1 .: — 



Assets as per Ledger Accounts 

Cost value of real estate, 

Loans on mortgage of real estate (first liens), 
on collateral security (schedule A), 
on company's policies assigned as collateral, 

Premium notes or loans on policies in force, . 

Cost value of stocks and bonds owned (schedule B), 

Cash in company's office, 

Cash deposited in bank, 

Bills receivable, 



Ledger assets (as per balance), 



$614,341 36 

16,044,316 78 

502,368 31 

368,640 62 

1,230,578 24 

10,431,472 91 

54,178 48 

3,993,837 23 

200 00 

$33,239,933 93 



Other Assets. 

Interest due and accrued, .... 
Market value of stocks and bonds, over cost, 
Uncollected premiums on policies in force, 
Deferred premiums on policies in force, 

Total, 

Deduct loading (20 per cent.), . 

Net am't of uncollected and deferred prem's, 

Total assets per company's books, 



$112,931 61 
209,514 71 

$322,446 32 
64,489 26 



509,074 48 
73 1,364 27 



257,957 06 
$34,741,329 74 



Items NOT admitted. 



Bills receivable, 



Total assets, 

Deduct special deposits in other States 

Balance, 



200 00 



$34,741,129 74 
161,050 00 

$34,580,079 74 



L$89.] OF OTHEE STATES. 89 

Liabilities. 
Computed premium reserve or net present value of all out- 
standing policies (actuaries 1 4 per cent.), . . . $28,449,786 00 
Deduct nei value of reinsured risks, 19,978 00 

Net reinsurance reserve $28,399,758 00 

Dentli losses due and unpaid $20,014 00 

Matured endowments due and unpaid, . . 63,240 00 
Death losses and matured endowments in prdc- 

ess of adjustment, 101,395 00 

Claims resisted by the company, . . . 26,500 00 

Total policy claims, ..... 211,14000 

Unpaid dividends of surplus <lue policy-holders, . . . 176,008 28 
Premiums ]>:ii<l in advance 4,G79 48 



Gross liabilities, except capital, .... $28,791,59476 

Deduct liability <>n special deposits, 101,050 00 



Liabilities as to policy-holders $28,630,544 76 

Surplus as regards special policy-holders, . $655,000 00 
Surplus as regards general policy-holders, . 5,294,534 98 

Gross surplus, $5,949,534 98 

Paid-up capital, 1,250,000 00 

Surplus over capital, 4,699,534 98 



Gross liabilities, $34,580,079 74 

Premium Note Account. 

Premium notes on hand Dec. 31, 1888, . . $1,339,788 47 
Premium notes received during 1889, . . 86,994 60 

Total, $1,426,783 07 

Used in payment of losses and claims, . . $80,572 30 
Used in payment of surrendered policies and 

voided by lapse, 25,226 02 

Used in payment of dividends to policy-holders, 80,950 81 

Redeemed by maker in cash, .... 9,455 70 

Total, 196,204 83 



Balance note assets, Dec. 31, 1889, $ 1,230,578 24 

Exhibit of Policies. 

Policies and Additions in force Dec. 31, 1888. 

Number. Amount. Total No. Total Amount. 

Whole life, . . . 36,391 $50,909,839 00 

Endowment, . . . 23,876 34,447,856 00 

All other, .... 7,482 17,546,608 00 

' 67,749 $102,904,303 00 



40 



LIFE INSURANCE COMPANIES [Dec. 31, 



Policies issued during the Year. 



Whole life, 


. 


1,525 $2,770,904 00 




Endowment, 


. 


5,546 10,757,383 00 




All other, . 


• • . 


2,802 6,661,811 00 








R73 


$20,190,098 00 




J7,Ol o 




Old Pot 


icies revived and increased. 




Whole life, 


. . 


36 $85,122 00 




Endowment, 


. 


5 47,470 00 




All other, . 


. , . 


52 77,000 00 








03 


209,592 00 






Total, . 


77,715 


$123,303,993 00 




Policies terminated during the Year. 




Whole life, 


. . . 


1,486 $2,799,255 00 




Endowment, 


, . . 


3,332 5,457,401 00 




All other, . 


. « . 


1,912 4,377,618 00 






6,730 $ 12,634,274 00 








How terminated. 




By death, . 


> 


934 $1,603,663 00 




maturity, 


. 


1,027 1,064,749 00 




expiry, 


. 


295 617,211 00 




surrender, . 


. 


957 1,501,189 00 




lapse, . 


. 


1,849 4,283,396 00 




change and decrease, . 


43 106,785 00 




Not taken, . 


•■ • 


1,625 3,457,281 00 








6 730 


12,634,274 00 








Policies in force Dec. 31, 1889. 




Whole life, 


. 


36,466 $50,966,610 00 




Endowment, 


. 


26,095 39,795,308 00 




All other, . 


, , 


8,424 19,907,801 00 








70,985 


$110,669,719 00 



Schedule A. 

Securities held as Collateral. 

Market value. 

Keithsburg Township bonds, .... $2,000 00 ) 

City of Beardstown bonds, .... 1,500 00 S 

25 shares Hartford Carpet Company, . . 3,000 00 ^ 

25 " United States Bank, . . . 6,875 00 

124 " yEtna Fire Insurance Company, . 31,000 00 f 

300 " Willimantie Linen Company, . 12,000 00 

Hartford City Coal and Salt Company bonds, . *7,000 00 J 

400 shares Willimantie Linen Company, . 16,000 00 ^ 

50 " Hartford Carpet Company, . . 6,000 00 I 

65 " JEtna Fire Insurance Company, . 16,250 00 f 

150 " United States Bank, . . . 41,250 00 j 



Amount loaned. 



$2,680 00 



47,700 00 



58,363 31 



1889.] 



OF OTHER STATES. 



41 



J17 Bhares AStna Fire Insurance Company, 
SO " Hartford Carpet Company, . 
50 " United States Bank, 
10 " Orient Fire Insurance Company, 
49 " .Ktna Fire Insurance Company, 
M .Ktna Fire Insurance Company, 
1800 " Wheeler & Wilson Mfg. Company 
281 " Willimantic Linen Company, 
Assignment of mortgage, 
238 shares Willimantic Linen Company, 
200 " Southern X. E. Telephone Co., 
100 " Plimpton Manufacturing Co., 
Assignment of mortgages, 
25 shares .Ktna Fire Insurance Company, 



42 ■ 

125 ' 

62 ' 

16 ' 

10 ■ 

200 ' 

885 ■ 

25 • 

88 l 

68 ' 
Connecticut Western Railroad bonds, 



Merriek Thread Company, . 
Hartford Fire In-uranee Co., 
.Ktna Fire Insurance Company, 

JEtna Fire Insurance Company, 
Phmnix Fire Insurance Company 
Stanley Rule and Level Company 
Willimantic Linen Company, 
United States Bank, 
Orient Fire Insurance Company, 
.Etna Fire Insurance Company, 



Amount loaned. 
$41,400 00 

2,000 00 

5,000 00 
15,000 00 

45,125 00 

10,000 00 
10,000 00 
5,000 00 
2,500 00 
5,000 00 
9,000 00 

24,500 00 

4,500 00 

15,000 00 

19,600 00 

180,000 00 
§769,180 00 $502,368 31 



Market value. 

$54,250 00 
3,600 00 
13,750 00 
900 00 
12,250 00 
22,000 00 
82,500 00- 
11,240 00 
6,000 00. 
9,820 00 
15,000 00 
15,000 00 
2,600 00 
6,250 00 
10,500 00 
36,250 00 i 
13,000 00 ! 
4,000 00 
1,950 00 
12,000 00 
13,400 00 
6,875 00^ 
7,920 00 j 
15,750 00^ 
300,000 00 



Schedule B. 

Slocks and Bonds owned by the 



235 shares Connecticut River Banking Co., 

75 " Metropolitan Bank, New York, 

918 " Phoenix National Bank, Hartford 

400 " Mercantile Nat'l Bank, Hartford, 

448 " City National Bank, Hartford, 

750 " Hartford Natioual Bank, Hartford 

739 " First National Bank, Hartford, 

1552 " Natl Exchange Bank, Hartford, 

1608 " American Natl Bank, Hartford, 

377 " Farm. & Mech. Natl B'k, Hartford 

66 " Suffield National Bank, Suffield, 

250 " New Britain Natl B'k, New Britain 

836 " Charter Oak Natl Bank, Hartford 

700 " ./Etna National Bank, Hartford, 

240 " Hartford Trust Co., Hartford, 

50 " United States Bank, Hartford, 

200 " Rockville Natl Bank, Rockville, 

100 " Security Company, Hartford, 



Company. 

Cost. 

$20,365 00 
5,812 50 

124,285 50 
42,885 25 
60,900 75 

107,720 25 
92,060 66 
93,729 80 
93,576 87 
83,664 25 
8,375 00 
28,450 00 
97,572 25 
79,969 46 
25,065 00 
5,262 50 
20,000 00 
10,000 00 



Market value. 

$11,280 00 
375 00 

114,750 00 
32,000 00 
43,904 00 

116,250 00 
77,595 00 
96,224 00 

104,520 00 
39,585 00 
9,900 00 
37,500 00 
87,780 00 
77,000 00 
31,200 00 
13,750 00 
25,000 00 
13,000 00 



42 



LIFE INSURANCE COMPANIES [Dec. 31, 



United States bonds, 

368 shares Connecticut River Railroad, . 
84 " Mtna, Fire Insurance Company, . 
1176 " X. V., N. II. & Hartford Railroad, 
Columbus & Indianapolis Railroad bonds, 
Cincinnati & Indiana Railroad bonds, 
( lleveland, Painesville & Ashtabula R.R. bonds, 
St. Johnsbury & Lake Champlain R.R. bonds. 
Union Pacific Railroad bonds, . 
Keokuk cV Des Moines Railroad bonds, . 
121 shares Keokuk & Des Moines R.R. stock, 
Cleveland & Pittsburg Railroad bonds, . 
Atlantic Dock bonds. .... 

Chicago, Milwaukee & St. Paul R.R. bonds, 
Vermont Valley Railroad bonds, 
110 shares Chicago, Burlington &Quincy R.R 
200 " N. Y. Central & 1 ludson River R.R 
200 " Union Pacific Railroad, . 
Terre Haute & Logansport Railroad bonds, 
40 shares Phoenix Fire Insurance Company, 
City of Brantford, ■. 

Province of Manitoba bonds, . 
South Carolina State bonds, 
Virginia State bonds, . 
Tennessee State bonds, .... 
Connecticut State bonds, ,. 

Mississippi State bonds, .... 
Mobile city bonds, ..... 
Hartford non-taxable city bonds, 
Louisville city bonds, .... 
Kansas city bonds, . . 
New Britain city bonds, .... 
Chicago water loan city bonds, 

Peoria city bonds, 

Council Bluffs city bonds, . 
Plattsmouth, Neb , city bonds, . 
London, Ont , city bonds, . 
Beardstown city bonds, .... 
New Boston city bonds, .... 
Jersey ( !ity city bonds, .... 

Ottawa city bonds, 

Newark city bonds, 

Indianapolis city bonds, .... 

Quincj city bonds, ..... 

Milwaukee water city bonds, . 

( 'incinnati citj bonds, .... 

Hartford water city bonds, 

St. Paul city bonds, 



Coat 

975,875 00 
39,372 25 

19,23(1 68 
104,169 7,". 
16,000 00 
20,075 00 
13,671 25 
47,500 00 
30,090 00 



717 50 
25,000 00 
25,000 00 
150,750 00 
12,G87 50 
25,000 00 
18,025 00 
100,000 00 
7,000 00 
97,500 00 
149,893 34 
29,410 00 
23,357 94 
25,100 00 
500,000 00 
10,000 00 
140,500 00 
320,310 00 
89,750 00 
90,500 00 
130,089 00 
10,000 00 
9,200 00 
17,000 00 
23,000 00 
75,000 00 
2,980 00 
8,000 00 
122,900 00 
L38,000 00 
172,015 00 
427,570 00 
11,504 00 
72,500 00 
100,000 00 
1,000 00 
52,350 00 



Market value. 

,087,700 00 
73,600 00 
21,000 00 

288,120 00 
51,000 00 
24,480 00 
15,120 00 
51,750 00 
: , » 1,500 00 



22,033 20 17,075 00 



1,000 00 
27,000 00 
27,250 00 
157,500 00 
11,770 00 
21,400 00 
13,400 00 
110,000 00 
7,800 00 
97,500 00 
104,010 00 
38,994 80 
15,200 00 
20,080 00 
510,000 00 
10,000 00 
119,425 00 
374,400 00 
115,000 00 
115,000 00 
149,500 00 
11,000 00 
15,750 00 
17,000 00 
23,000 00 
76,500 00 
5,000 00 
8,000 00 
130,500 00 
1 13,040 00 
200,100 00 
•181,000 00 
24,000 00 
78,750 00 
130,000 00 
1,000 00 
0(5,000 00 



1889.] 



OF OTHER STATES. 



43 



St. Paul, Neb., city bonds, 
Webster city bonds. . 

Hull city bonds, 

Girard city bonds, 

Oxford cit\ bonds, 

Lincoln city bonds, . 

Olathe ( !ity city bonds, 

Emporia city bonds, . 

Ilartland city bond-, . 

Wymore city bonds, . 

Audnlion city bonds, . 

Ness ( !ity city bond-, 

Russell city bonds, . 

Montreal Harbor city bonds, 

Lincoln city bonds, . 

Quebec city bonds, 

Stratford city bonds, . 

Toronto city bonds, . 

Winfield city bonds, . 

Dighton city bonds, . 

Kcndallvillc city bonds, . 

Wichita city bonds , . 

Quebec governmenl bonds, 

Hartford City Salt Company bonds 

Cimarron city bonds, 

David city bonds, 

Ellsworth city bonds, 

Superior city bonds, . 

Seneca city bonds, 

Pratt city bonds, 

Burrton city bonds, . 

Lyons city bonds, 

Canton city bonds, 

Norton city bonds, . 

Kingman city bonds, . 

South Hutchinson city^ bonds, 

Loup City city bonds, 

Conway Springs city bonds, 

Douglass city bonds, . 

Coolidge city bonds, . 

Johnson city bonds, . 

Englewood city bonds, 

Seward city bonds, . 

Governor's foot guard bonds, 

City of Alma bonds, . 

City of Orleans bonds, 

City of Hastings bonds, . 

Monroe County bonds, 



Cost. 

$20,000 00 
37,950 00 

K),000 00 

5,000 00 

9,800 00 

29,500 00 

12,000 00 

20,500 00 

10,000 00 

5,000 00 

5,600 00 

11,875 00 

5,000 00 

60,000 00 

11,880 00 

40,000 00 

21,000 00 

100,667 00 

H),000 00 

G,000 00 

13,000 00 

16,000 00 

207,500 00 

15,000 00 

10,000 00 

6,300 00 

37,260 00 

13,000 00 

9,500 00 

12,900 00 

12,880 00 

32,200 00 

0,405 00 

1G,400 00 

10,000 00 

3,500 00 

6,000 00 

13,000 00 

11,000 00 

10,000 00 

7,350 00 

4,200 00 

13,500 00 

10,000 00 

8,122 50 

8,500 00 

54,000 00 

35,000 00 



Market value. 

$20,000 00 
37,950 00 
41,200 00 

5,000 00 
10,000 00 
30,975 00 
12,000 00 
20,500 00 
10,000 00 

5,000 00 

5,600 00 
12,500 00 

5,000 00 
61,800 00 
12,000 00 
41,500 00 
22,470 00 
102,200 00 
10,000 00 

6,000 00 
13,000 00 
50,000 00 
232,400 00 
15,000 00 
10,000 00 

6,650 00 
38,475 00 
13,000 00 

9,500 00 
14,250 00 
13,300 00 
33,250 00 

6,650 00 
16,150 00 
10,000 00 

3,500 00 

6,000 00 
13,000 00 
11,000 00 
10,000 00 

7,000 00 

4,200 00 
15,000 00 
10,000 00 

8,550 00 

8,500 00 
57,000 00 
42,000 00 



44 



LIFE INSURANCE COMPANIES [Dec. 31, 



Ford County bonds, . 

Adams County bonds, 

Sangamon County bonds, . 

Macoupin County bond-. . 

Mason and Tazewell County bonds, 

Sangamon County bonds, . 

Gallatin County bonds, 

Hudson, N. J., County bonds, 

Ramsey County bonds, 

Tazewell County bonds, . 

Edward County bonds, 

Johnson County bonds, 

Warren County bonds, 

Moultrie County bonds, . 

Ellsworth County bonds, . 

Lyon County bonds, . 

Monroe County bonds, 

Pawnee County bonds, 

Harper County bonds, 

Clay County bonds, . 

Stafford County bonds, 

Washington County bonds, 

Benton County bonds, 

St. Clair drainage bonds, . 

Hunt drainage district bonds, 

Drainage District No. 3 bonds, 

Union drainage district bonds, 

Ulysses city bonds, . 

Reno Comity bonds, . 

Seward County bonds, 

Clay County bonds, . 

Jackson County bridge bonds, 

Paris town bonds, 

Hartford town bonds, 

Georgetown town bonds, 

Mt. Pulaski town bonds, 

Granl town bonds, 

Urban a town bonds, . 

Pock Island town bonds, 

Lennox town bonds, . 

Mattoon town bonds, 

.Meade ( ounty bonds, 

( tray ( 'ounty bonds, . 

Nickcrson city bonds. 
Lakin Township bonds, 

Muncie city bonds, . 

[ronwood city bonds, 

Meade Center Township bonds, 



Cost. 

$ 48,500 00 
.°>7,937 50 
24,250 00 
78,800 00 
46,000 00 
4G,000 00 
10,400 00 
49,843 75 
32,000 00 
50,000 00 
20,000 00 
85,000 00 

1,900 00 
60,000 00 
26,000 00 
35,000 00 

3,000 00 
25,000 00 
11,500 00 
10,000 00 

5,000 00 
34,000 00 
18,000 00 
39,000 00 
24,250 00 

3,380 00 
11,300 00 

9,500 00 
20,500 00 
47,000 00 
24,125 00 

7,000 00 

21,000 00 

106,710 00 

9,000 00 
10,000 00 
30,000 00 

3,500 00 

5,000 00 

3,500 00 
20,250 00 
23,000 00 

7,500 00 
10,000 00 
10,000 00 
20,000 00 
20,000 00 
16,000 00 



Market value. 

§52,500 00 
53,000 00 
25,750 00 
82,740 00 
48,300 00 
52,000 00 
13,000 00 
52,500 00 
34,560 00 
52,500 00 
21,000 00 
89,250 00 

1,900 00 
60,000 00 
27,300 00 
24,500 00 

3,000 00 
25,000 00 
12,075 00 
10,000 00 

5,250 00 
35,700 00 
18,540 00 
40,950 00 
25,500 00 

3,380 00 
11,550 00 

9,500 00 
21,525 00 
47,000 00 
26,250 00 

7,000 00 

21,000 00 

119,700 00 

9,000 00 
10,500 00 
31,500 00 

3,500 00 

5,000 00 

3,500 00 
27,000 00 
23,000 00 

7,500 00 
10,000 00 
10,000 00 
20,000 00 
20,000 00 
16,000 00 



1SS9.1 



OF OTHER STATES. 



45 



JacksOD town bonds, . 
Kirklin town bonds, . 

Coaticook town bonds, 
Breckenridge town bonds, 
Galva town bonds, . 

Lake Fork town bonds, 

Keithsburgh town bonds, . 

Rosa town bonds, 

Levis town bonds, 
Stewart town bonds, . 

Highland town bonds, 

Newman & Fnllcrton, 
Rock Creek town bonds, . 
Sprague town bonds, 
Province of Quebec town bond 
Bloomfield town bonds, 
Dodge town bonds, . 
Champaign town bonds, . 
Mt. Forest town bonds, 
Sangamon town bonds, 
Pleasant town bond-. 
Hager Slough town bonds, 
Boone town bonds, . 
Creek town bonds, . 
North Baltimore town bonds, 
Reeder town bonds, . 
Jefferson town bonds, 
Humeston town bonds, 
Great Bend town bonds, . 
Harlan town bonds, . 
Edgewood Village town bonds 
Tuscola town bonds, . 
Butler town bonds, . 
Emmetsburg town bonds, 
Allerton tow^n bonds, 
Coldwater tow r n bonds, 
Lamard towui bonds, . 
Wild Cat town bonds, 
Hubbard town bonds, 
Fond du Lac town bonds, . 
Sabula town bonds, . 
Lennox town bonds, . 
Lewiston town bonds, 
Neodesha town bonds, 
Baxter Springs town bonds, 
Monroe Township town bonds, 
Morton Township .town bonds, 
Henderson town bonds, 



Cost. 

$9,900 00 

2,000 00 

21,000 00 

5,000 00 

14,700 00 

12,593 73 

23,000 00 

25,536 00 

36,500 00 

3,000 00 

lo,000 00 

7,000 00 

28,710 00 

40,133 33 

158,187 50 

40,824 00 

3,000 00 

55,000 00 

20,000 00 

11,000 00 

35,350 00 

6,000 00 

13,000 00 

16,000 00 

10,000 00 

15,840 00 

6,000 00 

2,500 00 

6,000 00 

6,600 00 

3,000 00 

10,000 00 

15,000 00 

4,000 00 

3,000 00 

10,000 00 

8,000 00 

3,000 00 

3,000 00 

50,000 00 

5,000 00 

8,400 00 

1,500 00 

12,000 00 

20,500 00 

38,610 00 

8,550 00 

4,750 00 



Market value. 

$10,000 00 

2,000 00 

21,000 00 

5,000 00 

15,000 00 

12,593 73 

23,000 00 

25,536 oo 

34,675 oo 

3,000 00 

10,000 00 

7,000 00 

29,000 00 

42,000 00 

168,300 00 

40,000 00 

3,000 00 

57,750 00 

20,600 00 

11,000 00 

35,000 00 

6,000 00 

13,000 00 

16,480 00 

10,000 00 

16,000 00 

6,000 00 

2,500 00 

6,000 00 

6,600 00 

3,000 00 

10,000 00 

15,000 00 

4,000 00 

3,000 00 

10,000 00 

8,000 00 

3,000 00 

3,000 00 

52,500 00 

5,000 00 

10,000 00 

1,575 00 

12,000 00 

20,500 00 

39,000 00 

9,000 00 

5,000 00 



46 



LIFE INSURANCE COMPANIES [Dec. 31, 



Lockridge town bonds, 
Stranger town bonds, 
Washington town bonds, . 

Rolling Prairie town bonds, 
( Sicero town bonds, . 
I [ayes town bonds, . 
McFadden town bonds, 
Leroy town bonds, 
Tonganoxie town bonds, . 
Eagle Township town bonds, . 
Valley Center Township town bonds, 
Richland Township town bonds, 
Little River Township town bonds, 
Victoria Township town bonds, 
Liberty Township town bonds, 
Burrton Township town bonds, 
Green Garden Township town bonds, 
Phillipsburg Township town bonds, 
Plum Township town bonds, . 
( enter Township town bonds, . 
Jefferson Township town bonds, 
Lake Township town bonds, 
Richland Township town bonds, 
Lincoln Township town bonds, 
Elk Creek Township town bonds, 
Limestone Township town bonds, 
Ezbon Township town bonds, . 
Groveland Township town bonds, 
Banner Township town bonds, . 
Hamson Township town bonds, 
Valparaiso Township town bonds, 
Haynesville Township town bonds, 
Turkey Creek Township town bonds, 
May Township town bonds, 
Pleasant Valley Township town bonds, 
Antelope Township town bonds, 
Little Blue Township town bonds, 
Alma Township town bonds, . 
Township (I Township town bonds, 
Franklin Township town bonds, 
Township M Township town bonds, 
Township L Township town bonds. 
Township 1> Township town bonds, 

Brown Township town bonds, . 

New York Township town bonds, 
Baker Township town bonds, . 
Henderson Township town bonds, 
Tli;i\ er Township town bonds, . 



Cost. 

§7,000 00 
9,C00 00 
t5,700 00 

18,000 00 

2,500 00 

17,575 00 

9,500 00 

7,600 00 

19,200 00 

13,800 00 

9,200 00 

12,040 00 

21, 1C0 00 

20,240 00 

7,600 00 

23,920 00 

13,800 00 

9,150 00 

12,900 00 

35,000 00 

7,600 00 

17,480 00 

12,352 50 

13,800 00 

7,600 00 

13,725 00 

8,600 00 

13,760 00 

13,760 00 

18,000 00 

5,500 00 

17,100 00 

2,707 50 

1,061 25 

3,900 00 

4,512 50 

2,707 50 

5,866 25 

9,000 00 

6,300 00 

9,000 00 

t,500 00 

9,000 00 

5,100 00 

9,000 00 

9,000 00 

1,500 00 

1,500 00 



Market value. 

$8,000 00 

10,000 00 

47,650 00 

18,000 00 

2,500 00 

18,050 00 

9,500 00 

7,600 00 

19,200 00 

14,250 00 

9,500 00 

13,300 00 

21,850 00 

20,900 00 

7,600 00 

24,700 00 

14,250 00 

9,500 00 

14,250 00 

36,100 00 

7,600 00 

18,050 00 

12,825 00 

14,250 00 

7,600 00 

11,250 00 

9,500 00 

15,200 00 

15,200 00 

19,000 00 

5,500 00 

18,050 00 

2,850 00 

4,275 00 

3,900 00 

4,750 00 

2,850 00 

6,175 00 

9,500 00 

6,65o 00 

9,500 00 

4,750 00 

9,500 00 

5,700 00 

9,500 00 

9.500 00 

4,750 00 

4,750 00 



L88?.] 



OK OTHER STATES. 



47 



Stewart Township town bonds, 
Union Township town bonds, . 

Bone Creek Town-hip town bonds, 
Read Township town bonds, 
Olive Township town bonds, . 

Oak Creek Township town bonds, 

Stromburg Village town bond-, 

Village of ( )rd town bonds, 

Bowen Precinct town bonds, 

Victor Precinct town bonds, 

Fairmouth Precinct town bonds, 

Lincoln Precinct town bonds, . 

( lentre Precinct town bonds, 

Twin Grove Precinct town bonds, 

Madison Precinct town bond-. . 

Harvard l'reeinet town bonds, . 

Nova Precinct town bond-, 

Geneva Precinct town bonds, . 

Exeter Precinct town bonds, 

A in-worth Precinct town bonds, 

Coolidge Bridge town bonds, . 

School District No. 5 bonds, 

School District No. 1 bonds, 

School District No. 18 bonds, . 

School District No. 9 bonds, 

School District No. 8 bonds, 

School District No. 5 bonds, 

School District No. 6 bonds, Kan., 

School District No. 6 bonds, 111., 

School District No. 2 bonds, 

School District No. 19 bonds, . 

School District No. 6 bonds, Gove Co., Kan., 

Marcos School District School bonds, 

( reston School bonds, 

Spring Creek School bonds, 

Spring Creek Precinct School bonds, 

Cedar Rapids School bonds, 

Ida Grove School bonds, . 

Glad Brook School bonds, 

Centreville School* bonds, . 

Hampton School bonds, . 

South Bend School bonds, 

Defiance School bonds, 

Batavia School bonds, 

Sidell School bonds, . 

Alta School bonds, . 

Portland School bonds, 



Cost. 

$9,000 00 
5,400 00 
9,000 00 
9,000 00 
5,400 00 
5,400 00 

12,000 00 
4,000 00 

10,000 00 

15,000 00 

27,075 00 
6,800 00 
6,800 00 
9,000 00 
4,500 00 

22,500 00 
3,840 00 

13,500 00 

18,000 00 

10,550 00 

8,400 00 

820 00 

8,500 00 

6,000 00 

10,000 00 
4,000 00 

10,400 00 
1,500 00 
1,000 00 
4,900 00 

10,000 00 
5,000 00 
3,000 00 

19,000 00 

3,000 00 

5,760 00 

147,000 00 

17,000 00 
2,500 00 

17,000 00 
7,500 00 
1,000 00 
3,743 00 

10,000 00 
2,700 00 
4,000 00 
9,000 00 



Market value. 

$9,500 00 
5,700 00 
9,500 00 
9,500 00 
5,700 00 
5,700 00 

12,000 00 
4,000 00 

10,000 00 

15,000 00 

28,500 00 
6,650 00 
6,650 00 
9,500 00 
4,750 00 

28,750 00 
4,000 00 

14,250 00 

19,000 00 

10,000 00 

8,000 00 

800 00 

8,500 00 

6,000 00 

10,000 00 
4,000 00 

10,000 00 
1,500 00 
1,000 00 
4,900 00 

10,000 00 
5,000 00 
3,000 00 

19,950 00 

3,000 00 

6,000 00 

149,940 00 

17,000 00 
2,500 00 

17,000 00 
7,500 00 
1,000 00 
3,800 00 

10,000 00 
2,700 00 
4,000 00 
9,000 00 



48 



LIFE INSUKANCE COMPANIES [Dec. 31, 



Odebolt School bonds, 

Spencer School bonds, 

South English School bond-. 

Camargo School bonds, 

Van Horn School bonds, . 

Garwin School bonds, 

Oxford Junction School bonds, 

Snow Hill School bonds, . 

Goldfield School bonds, . 

( lhariton School bonds, 

Sibley School bonds, . 

Clearfield School bonds, . 

School I)i>trict No. 37 School bonds, Neb., 

School District Nos. 4 and 77 School bonds, 

Dunlap School bonds, 

Imogene School bonds, 

School District No. 10 School bonds, 

Lineville School bonds, 

Panora School bonds, 

Saline County School bonds, 

School District No. 42 School bonds, 

Lebanon School bonds, 

Inlet Swamp drainage bonds, 

City of Victoria city bonds, 

City of Ossawatomie city bonds, 

Hamilton County bonds, . 

City of Downs city bonds, 

Beaver Precinct bonds, 

Lincoln Township bonds, . 

Jefferson Precinct bonds, . 

City of Santa Fe city bonds, 

Fargo Township bonds, . 

Stanton County bonds, 

Haskell County bonds, 

Lane County bonds, . 

Vancouver city bonds, 

St. Ilvacinlhe city bonds, . 

Enterprise city bonds, 

Three Rivers city bonds, . 

Sault St. Marie city bonds, 

Springfield, Kan., city bonds, 

Lincoln Precinct bonds, . 



Cost. 

$3,250 00 

4,000 00 

1,500 00 

5,000 00 

2,500 00 

600 00 

5,000 00 

5,400 00 

1,000 00 

7,000 00 

2,000 00 

1,700 00 

9,000 00 

4,000 00 

8,000 00 

1,500 00 

2,000 00 

3,000 00 

6,000 00 

1,859 65 

5,000 00 

19,000 00 

8,800 00 

45,000 00 

20,000 00 

40,000 00 

29,100 00 

14,000 00 

6,720 00 

4,800 00 

4,500 00 

15,000 00 

11,700 00 

10,000 00 

33,000 00 

100,000 00 

30,000 00 

10,000 00 

32,500 00 

20,000 00 

16,000 00 

4,800 00 



Market value. 

$3,250 00 

4,000 00 

1,500 00 

5,000 00 

2,500 00 

600 00 

5,000 00 

5,400 00 

1,000 00 

7,000 00 

2,000 00 

1,700 00 

9,000 00 

4,000 00 

8,000 00 

1,500 00 

2,000 00 

3,000 00 

6,000 00 

1,859 65 

5,000 00 

19,000 00 

8,800 00 

48,600 00 

20,000 00 

36,000 00 

30,000 00 

14,000 00 

7,000 00 

5,000 00 

4,500 00 

15,000 00 

12,000 00 

10,000 00 

33,000 00 

109,000 00 

30,000 00 

10,000 00 

34,125 00 

21,000 00 

16,000 00 

4,750 00 



$10,431,472 91 $11,165,837 18 



L889.] 



OF OTHER STATES. 



49 



"CONNECTICUT GENERAL LIFE INSURANCE COMPANY," 

HARTFORD, CONN. 

[Incorporated June, 1865. Commenced business October, I860.] 
Paid-up Capital, $150,000. 

Thomas W. Russell, President. Frederick V. Hudson, Secretary. 



Income. 
New premiums without deductions, 

Renewal premiums, 

Premiums paid by dividends, including additions, 
Premiums paid by surrendered policies, . 



. Total, 

Deduct amount paid for reinsurance, 

Total premium income, .... 
Cash received for interest, .... 

as discount and rents, 

for profits on bonds or stocks sold, 



Total income, .... 
Net or ledger assets, Dec. 31, 1888, . 



Total, 



$37,218 82 

195,106 86 

5,007 07 

3,444 67 



Disbursements. 

Cash paid for losses, 

Cash paid for matured endowments, .... 

Gross amount paid for losses and endowments, 

Cash paid for surrendered policies, 

Premium notes or loans used in purchase of surrendered 

policies and voided by lapse, 

Cash surrender values applied in payment of premiums, 
Cash dividends paid policy-holders, $4,170.04 ; applied in 

payment of premiums, $ 4,039.44, 

Premium notes or loans used in payment of dividends, . 

Total paid policy-holders, 

Cash paid for dividends to stockholders, .... 
for commissions to agents, .... 
for salaries and travelling expenses of agents, 
for medical examiner's fees, .... 
for salaries of officers and office employees, . 

for taxes and fees, 

for legal expenses, 

for incidentals, 



Total disbursements, . 
Balance, 



£240,777 


42 


2,602 27 


$238,175 


15 


99,174 96 


4,806 


13 


3,581 


92 


$345,738 


16 


1,757,560 


75 


$2,103,298 91 


$97,387 00 


32,938 


30 


$130,325 


30 


7,861 


34 


2,078 


50 


3,444 


67 


8,209 


48 


967 


63 


$152,886 


92 


12,000 


00 


9,440 


97 


30,637 


50 


3,877 


00 


15,166 


26 


4,906 


38 


1,098 85 


7,497 


47 


$237,511 


35 



.,865,787 56 



50 



LIFE INSURANCE COMPANIES [Dec. 31, 



Invested in the following : — 

Assets as ter Ledger Accounts 

Cost value of real estate, 

Loans on mortgage of real estate (first liens), 
on collateral security (schedule A), 
on company's policies assigned as collateral, 

Premium notes or loans on policies in force, . 

Cost value of stocks and bonds owned (schedule B), 

Cash in company's office, 

Cash deposited in bank, 

Bills receivable, 

Agents 1 ledger balances, 

Ledger assets (as per balance), 
Deduct depreciation from cost of real estate, . 

Total net or ledger assets,. 



$173,079 37 

1,284,059 73 

7,100 00 

15,055 57 

61,444 40 

288,212 28 

7,019 22 

27,575 89 

1,409 50 

471 60 

$1,865,78J 56 
47,815 64 

$1,817,971 92 



Other Assets, 

Interest due and accrued, .... 
Market value of stocks and bonds, over cost, 
Uncollected premiums on policies in force, 
Deferred premiums on policies in force, . 

Total, . . . . 
Deduct loading (20 per cent.), . 
>set am't of uncollected and deferred prem's, 

Total assets per company's books, 



$10,308 80 
39,525 02 

$49,833 82 
9,966 76 



34,612 15 
20,215 72 



39,867 06 
. $1,912,666 85 



Items not admitted. 



Agents 1 balances, 
Bills receivable, 
Total, . 

Total admitted assets, 



$471 60 
1,409 50 




1,881 


10 






. . . 


$1 


,910,785 


75 



Liabilities. 
Computed premium reserve or net present value of all out- 
standing policies (actuaries 1 4 per cent.), 
Deduct net value of reinsured risks, 

Net reinsurance reserve, .... 
Matured endowments due and uncalled for, . 
Death losses in process of adjustment, 

Total policy claims, 

Unpaid dividends of surplus due policy-holders, 
Premiums paid in advance, .... 



. $1,429,708 00 
20,464 00 



. . . 


$1,409,244 00 


$20,697 35 




7,380 00 






28,077 35 
346 67 


. 


. 


383 04 



Liabilities as to policy-holders, 



. $1,438,051 06 



1889.] 



OF OTHER STATES. 



51 



Surplus as regards Bpecial policy-holders, 
Surplus - gards other policy-holders, 






Gross Burplus, . 
Paid-ap Capital, . 

Surplus over capital,. 

Gross liability 



• 00 
236,844 69 

3472,734 69 



. $150,000 00 
322,734 69 

. 61,910,785 75 



Premifm Note Account. 



mium notes on hand Dec. 31, 1888, 

Premium notes received during 1889, 

Total 

I r» -I in payment of surrendered policies and 
voided by lapse, 

Used in payment of dividends to policy-holders, 

Redeemed by maker in cash, .... 
Total, 

Balance note assets, I>ec. 31, 1889, . 



870,756 23 
4,818 11 



$2,078 50 
.967 63 
11,08 



§75,574 34 



14,129 94 
$61,444 40 



Whole life, 
Endowment, 

All other, . 



Whole life, 
Endowment, 
All other, . 



Exhibit of Policies. 

Policies and Additions in force Dec. 31, 1SSS. 

Number. Amount. Total No. Total Amount. 

. 3,453 $5,032,846 00 
. 2,198 2,525,785 00 

39 111,109 00 
5,690 $7,669,740 00 

Policies issued during the Tear. 

298 49^37 00 

982 1,076,851 00 

8 40,000 00 



1,288 1,466,688 



Whole life, 
Endowment, 



Whole life, 
Endowment, 
All other, . 



Old Policies revived. 
19 |9323 00 

5 4,900 00 



24 



14.723 00 



Old Policies changed and increased. 
13 813,700 00 

3 3,000 00 

1 5.000 00 



17 



21,700 00 



Total, 7,019 §9,172,851 00 

Policies terminated during the Year. 

Whole life, . . . 253 § 357,633 00 

Endowment, ... 570 625,930 00 

All other, .... 9 31,000 00 



832 $1,014,563 00 



52 



LIFE INSURANCE COMPANIES [Dec. 31, 







Hoiv terminated. 










Number. 


Amount. 


Total No. 


Total Amount. 


By death, . 


• 


53 


$90,998 00 






maturity, 


• 


20 


32,430 00 






expiry, 


. 


45 


74,000 00 






-ui render, . 


. 


74 


77,513 00 






lapse, . 


• 


354 


398,684 00 






change and deci 


ease, . 


17 


55,838 00 






Not taken, . 


• 


269 


285,100 00 


832 


81,014,563 00 










Policies 


in force 


Dec. 31, 18S9. 




Whole life, 


. . 


3,530 


$5,048,573 00 






Endowment, 


. 


2,618 


2,984,606 00 






All other, . 


m 


39 


125,109 00 















6,187 


$8,158,288 00 



Schedule A. 

Securities held as Collateral. 

12 shares Hartford Carpet Company, 
6 " American National Bank, Hartford, 

25 " Orient Insurance Company, 

Arizona Canal Company bond, 

12 shares Hartford Carpet Company, 

12 " Adams Express Company, 

14 " Charter Oak National Bank, 
5 " State Bank, Hartford, 



Schedule B. 

Stocks and Bonds owned by the 



Washington, Ind., city bonds, . 

Evansville, Ind., city bonds, 

Indianapolis, Ind., city bonds, . 

Norwich, Kan., public hall bonds, 

Huron. Dak., city bonds, . 

Lyon County, la., bonds, . 

Cowley County, Kan., bonds, . 

Pawnee County, Kan., bonds, . 

( flay School Township, Ind., bonds, 

Oxford Township, Kan., bonds, 

Mason and Tazewell, 111., district bonds, 

Wildcat Champaign County, Dl., bonds, 

Big Slough Champaign County, 111., bond 

Lima Lake, Adams, districl bonds, . 

( l.i \ ( lounty, Minn., district bonds, . 

Exira, la., School District bonds, 



Market value. 


Amount loaned 


$1,320 00 


$1,200 00 


890 00 


260 00 


2,250 00 ) 


2,000 00 


1,070 00 S 




1,320 00 


1,000 00 


1,800 00 \ 




1,442 00 > 


3,000 00 


460 00 ) 




$10,052 00 


$7,460 00 


Company. 




Cost. 


Market value. 


$9,775 00 


$10,300 00 


16,353 95 


15,300 00 


24,500 00 


27,000 00 


2,625 00 


2,625 00 


1,500 00 


1,500 00 


5,000 00 


4,500 00 


10,250 00 


10,300 00 


5,000 00 


5,150 00 


6,500 00 


6,500 00 


5,000 00 


5,150 00 


15,6% 50 


15,550 00 


15,375 00 


15,450 00 


10,150 00 


10,500 00 


12,000 00 


12,000 00 


11,375 00 


11,500 00 


400 00 


400 00 



1889.] 



OF OTHER STATES. 



53 



Lake Shore & Michigan Southern R.R. bonds 
Terre Haute & Logansporl Railroad bonds, 
Arizona Canal Company bonds, 
150 sharea New York, Now Haven & II. II R. 
40 " Fourth National Bank, New York 

216 " American Nat'l Bank, Hartford, 

104 " rh.enix Nat'l Bank, Hart lord, 

52 " Charter Oak NatU Bank, Hartford 

70 " Hartford National Rank, Hartford 

100 " First National Rank, Hartford, 
.Etna National Rank, Hartford, 

12 " Farm, and Mech.Nat'l B'k,I lart ford 

24 " City National Bank, Hartford, 

50 " Thames National Bank, Norwich, 

86 " Conn. Trust and Safe Deposit Co., 

50 " Security Company, . 



Cost. 

$5,089 38 

10,000 00 

10,000 00 

19,293 03 

4,193 00 

13,538 00 

15,853 00 

6,700 00 

10,625 00 

13,978 25 

2,37;i 50 

2,250 67 

2,790 00 

6,850 00 

8,428 00 

L7.->0 00 



Market value. 

$6,765 oo 

10,000 00 

10,700 00 

36,000 00 

6,600 00 

14,040 00 

12,792 oo 

5,304 00 

lo. ;,00 00 

10,300 00 

2,140 00 

1,248 00 

2,352 00 

7,000 00 

12,212 00 

6,750 oo 



$288,212 28 $308,428 00 



"THE CONNECTICUT MUTUAL LIFE INSURANCE COMPANY; 

HARTFORD, CONN. 

[Incorporated June 15, 1846. Commenced business Dec. 15, 1846.] 

Jacob L. Greene, President. Edward M. Bunce, Secretary. 

Income. 



New premiums without deductions, .... 

Renewal premiums, 

Cash received for interest, 

as discount on claims paid in advance, 
for rents of company's property, 
for profit and loss account, 



Total income, . • 

Net or ledger assets, Dec. 31, 1888, . . . $55,852,899 87 
Less deduction from cost of office building, . 304,879 94: 



$543,646 73 

3,874,689 74 

2,655,535 87 

17,887 36 

391,982 21 

217,479 36 

$7,701,221 27 



Total, 



Disbursements. 
Cash paid for losses and additions, .... 
Premium notes or loans used in payment of same, . 
Cash paid for matured endowments and additions, . 
Premium notes or loans used in payment of same, . 

Gross amount paid for losses and endowments, 
Cash paid for surrendered policies, .... 



55,548,019 93 
$63,249,241 20 



|3,490,410 21 

56,475 12 

629,549 15 

2,657 85 

$4,179,092 33 
154,074 21 



54 



LIFE INSURANCE COMPANIES [Dec. 31, 



Premium notes or loans used in purchase of surrendered 
policies and voided by lapse, 

Cash surrender values, including reconverted additions 
applied in payment of premiums, .... 

Cash dividends paid policy-holders, $72,334.03; applied in 
payment of premiums, $1,050,207.04, .... 

Premium notes or loans used in payment of dividends, . 

Total paid policy-holders, 

Cash paid for salaries and commissions to agents, . 
for travelling expenses of agents, . 
for medical examiner's fees, .... 
for salaries of officers and office employees, . 

for taxes and fees, 

for rent, 

for advertising, . . . . . 

for incidentals, 

for expenses of real estate, .... 



Total disbursements, . . . . 

Balance, 

Invested in the following : — 

Assets as per Ledger Accounts. 
Cost value of real estate, . . 
Loans on mortgage of real estate (first liens), 
Loans on collateral security (schedule A), 
Premium notes or loans on policies in force, . 
Cost value of stocks and bonds owned (schedule B), 

Cash deposited in bank, 

Bills receivable, 

Agents' ledger balances, 



Ledger assets (as per balance), 

Other Assets. 

Interest due and accrued, 

Rents due and accrued, 

Market value of stocks and bonds, over cost, , 
Deferred premiums on policies in force, . 
Deduct loading (20 per cent.), .... 
Net am't of uncollected and deferred prem's, . 

Total assets per company's books, 

Items not admitted. 

Agents 1 balances, 

Bills receivable, ...... 

Total, 

Total admitted assets, .... 

Deduct special deposits in other States, . 

Balance, 



$30,277 43 
310,039 43 

1,128,541 07 

37,288 84 

$ 5,839,3 13 31 

272,871 60 

19,429 05 

18,424 97 

122,697 15 

308,281 67 

4,496 67 

63,652 68 

81,323 03 

185,909 83 

$6,916,399 96 

$56,332,841 24 



§8,556,207 08 

32,890,542 44 

64,132 50 

1,813,180 76 

11,597,607 64 

1,398,565 13 

5,750 00 

6,855 69 

$56,332,841 24 

956,940 25 

8,738 41 

456,939 11 



$149,390 
29,878 



88 
18 



119,512 70 

$57,874,971 71 



$6,855 
5,750 



69 
00 



12,605 69 

$57,862,866 02 

124,500 00 

$57,737,866 02 



1889.] OF OTHER STATES. do 

Liabilities. 
Computed premium reserve or net present value of all out- 
standing policies (actuaries' 4 per cent.), . . . (51,393,215 00 

Death losses unpaid - 1 25 

Matured endowments due and unpaid, . . 10,335 00 

- and matured endowments in 

process of adjustment, 44,407 00 

Claim- resisted by the company, . . . 36,846 00 

al policy claims, . 259,849 25 

Unpaid dividends of surplus due policy-holders, . . . 255,362 78 

Reserve on account of lapsed policies, 296,844 00 

Premiums paid in advance, etc., 49,959 07 

Liabilities as to policy-holders, ..... £,255,230 10 

Deduct liabilities on special deposits, 124,500 00 

$52,130,730 10 
Surplus as regards policy-holders, 5,607,135 92 

Gross liability $57,737,866 02 

Premium Note Account. 

Premium notes on hand Dec. 31, 1888, . . § 1,953,501 18 

Premium notes received during 1889, . . 1,293 00 

Total, $1,954,794 18 

Used in payment of losses and claims, . . $59,132 97 
Used in payment of surrendered policies and 

voided by lapse, 31,570 43 

08 ■ 1 in payment of dividends to policy-holders, 37,288 84 

Redeemed by maker in cash, .... 13,621 18 

Total,.' 141,613 42 

Balance note assets, Dec. 31, 1889, §1,813,180 76 

Exhibit of Policies. 
Policies and Additions in force Dec. 31, 1888. 

Number. Amount. Total No. Total Amount. 

Whole life, . . . 58,699 §141,652,309 00 

Endowment, . . . 4,961 9,709,604 00 

. 63,660 $151,361,913 00 

Policies issued during the Year. 

Whole life, . . . 2,714 §7,414,954 00 

Endowment, . . . 577 1,330,154 00 

3,291 8,745,108 00 

Old Policies revived. 
Whole life, . . . 153 §465,596 00 
Endowment, ... 12 34,500 00 

165 500,096 00 

Endowment policies transferred, .... 2 11,000 00 



Total, 67,118 8160,618,117 00 



56 



LIFE INSURANCE COMPANIES [Dec. 31, 



Policies terminated during the Year. 





Number. 


(Amount. Total No. 


Total Amount. 


Whole lit\'. 


. 2,700 


$7,725,778 00 




Endowment, 


588 


1,152,845 00 






3,288 


$8,878,623 00 






How terminated. 




By death, . 


. 1,319 


$3,302,904 00 




maturity, 


377 


635,219 00 




transfer, 


2 


11,000 00 




surrender, . 


580 


1,480,610 00 




lapse, . 


788 


2,046,500 00 




change and decrease, 


- 


764,890 00 




Not taken, . 


222 


637,500 00 








3,288 


$8,878,623 00 



Whole life, 
Endowment, 



Policies in force Dec. 31, 1889. 

. 58,866 $141,807,081 00 

. 4,964 9,932,413 00 
63,830 $151,739,494 00 



Schedule A. 

Securities held as Collateral. 

Market value. 

17 shares New York, New Haven & H. R.R., . $4,165 00 

450 " Indianapolis National Bank, . 
100 " iEtna Insurance Company, 
Missouri farm mortgage bond, . 
Milwaukee city mortgage bond, 
Chicago & \yestern Indiana R.R. bonds, 
Suspension Bridge &Erie Junction R.R. bonds, 



45,000 00 
25,500 00 

2,200 00 

22,800 00 
1,180 00 



Amount loaned. 

$2,300 00 
33,683 00 
10,000 00 

1,149 50 
17,000 00 



$100,845 00 $64,132 50 



Schedule B. 

Bonds and Stocks owned by the 



United States currency bonds, . 
State of Tennessee bonds, 
City of Jackson, Mich., water bonds 
City of Fort Wayne, Ind., bonds, 
City of Louisville, Ky., bonds, . 
City of Mobile, Ala., bonds, 
City of Milwaukee, Wis , bonds, 
City of Quincy, 111., bonds, 
City of Galveston, Tex., bonds, 
City of Austin, Tex., bonds, 
City of Denver, Col., bonds, 
City of Montreal, Can., bonds, . 
City of Logansport, Ind., bonds, 



Company. 

Cost. 

$99,125 00 

19,200 00 

99,000 00 

124,200 00 

125,339 06 

87,500 00 

390,000 00 

187,500 00 

100,000 00 

39,000 00 

301,500 00 

100,031 25 

72,720 00 



Market value. 

$124,500 00 

14,208 00 

99,000 00 

124,200 00 

134,500 00 

70,875 00 

438,480 00 

187,500 00 

99,000 00 

39,000 00 

301,500 00 

100,000 00 

72,720 00 



1889.] 



OF OTHER STATES. 



57 



City oi' Muncie, bid., bonds, 

City of ( bnaha bonds, 

City of San Antonio, Tex., bonds, 

City of Wichita, Kan., bonds, . 

City of Duluth, Minn , bonds, . 

City of St. Paul, Minn., water bonds, 

City of Pueblo, Col., water bonds, . 

County of Marion, Kan., bonds, 

County of Leavenworth, Kan., bonds, 

County of Sedgwick, Kan., bonds, . 

County of Warren, Ind., court-house bonds, 

County of Allen, Ind., bonds, . 

County of Mahaska, la., bonds, 

County of Hancock, O., court-house bonds, 

County of Wyandotte, Kan., bonds, . 

Province of Quebec currency bonds, 

St. Louis Chamber of Commerce bonds, 

Atlantic Dock Company bonds, 

Long Dock Company bonds, . 

Baltimore & Ohio Railroad bonds, . 

Chicago, Burlington & Quincy R.R. bonds, 

Chicago & Northwestern Railroad bonds, 

Chicago, St. Louis & New Orleans R.R. bonds 

Chicago & Western Indiana Railroad bonds, 

Chicago, Milwaukee & St. Paul R.R. bonds, 

Cleve., Colum., Cin. & Indianapolis R.R. bonds 

Dayton & Western Railroad bonds, . 

Dayton & Michigan Railroad bonds, 

Detroit, Lansing & Northern Railroad bonds, 

Harlem River & Port Chester Railroad bonds, 

Lehigh Valley Railroad bonds, 

Michigan Central Railroad bonds, . 

New York, Lake Erie & Western R.R. bonds 

Northern Pacific Railroad bonds, 

Philadelphia & Reading Railroad bonds, . 

St. Louis Cable & Western Railroad bonds, 

St. Paul & Northern Pacific Railroad bonds, 

St. Joseph Terminal Railroad bonds, 

Vermont Valley Railroad bonds, 

Wabash Railroad bonds, .... 

130 shares First National Bank, Hartford, 

25 " iEtna National Bank, Hartford, 
294 " Phoenix National Bank, Hartford, 

10 " Charter Oak Nat'l Bank, Hartford, 

80 " City Bank, Hartford, 

40 " State Bank, Hartford, . 
300 " Conn. T. and S. D. Co., Hartford, 
175 " First Nat'l Bank, Litchfield, Conn., 



Cost. 

$15,468 75 

160,825 00 

31,800 00 

10,300 00 

133,125 00 

132,370 00 

79,312 50 

190,550 00 

99,580 00 

144,200 00 

35,630 00 

49,653 75 

7,157 50 

76,797 50 

86,437 50 

15,468 75 

472,000 00 

81,000 00 

391,607 50 

269,375 00 

774,233 05 

158,765 83 

776,562 50 

1,136,409 42 

320,712 08 

62,950 83 

35,026 67 

210,575 00 

121,752 50 

650,000 00 

56,485 17 

526,193 75 

198,574 42 

507,500 00 

124,740 38 

107,325 00 

374,002 50 

350,000 00 

301,500 00 

153,739 23 

13,000 00 

2,500 00 

40,710 25 

1,055 00 

8,000 00 

4,195 00 

30,000 00 

22,125 00 



Market value. 

$15,468 75 

160,825 00 

31,800 00 

10,300 00 

133,125 00 

132,370 00 

79,312 50 

190,550 00 

99,580 00 

144,200 00 

35,630 00 

49,653 75 

7,157 50 

76,797 50 

86,437 50 

15,468 75 

472,000 00 

81,000 00 

391,607 50 

297,500 00 

763,950 00 

170,080 00 

866,250 00 

1,206,760 00 

325,950 00 

66,000 00 

36,000 00 

219,350 00 

104,000 00 

650,000 00 

63,450 00 

564,000 00 

210,800 00 

570,000 00 

130,000 00 

99,000 00 

387,600 00 

350,000 00 

330,000 00 

143,820 00 

13,520 00 

2,500 00 

36,750 00 

1,000 00 

8,000 00 

3,600 00 

42,000 00 

21,000 00 



58 



LIFE INSURANCE COMPANIES [Dec. 31, 



ICO shares Fourth Xat"l Hank, Now York City, 



50 
252 

50 

2000 

500 



Indianapolis National Bank, Ind., 
N. Y., New Hav. & Hartford R.R., 
Connecticut River Railroad, . 
Conn, ft rassurapsic Rivers R.R., . 
Massawippi Valley Railroad, 



Cost. 

$16,000 00 

5,000 00 

25,200 00 

5,000 00 

200,000 00 

50,000 00 



Market value. 

$26,560 00 

5,000 00 

61,740 00 

9,600 00 

200,000 00 

50,000 00 



$11,597,607 64 $12,054,546 75 



" THE EQUITABLE LIFE ASSURANCE SOCIETY OF THE UNITED 
STATES," NEW YORK, N. Y. 

[Incorporated July 26, 1859. Commenced business July 28, 1859.] 
Paid-up Capital, $100,000. 



Henry B. Hyde, President. 



^V r ILLIAM Alexander, Secretary. 



Income. 

New premiums without deductions, 
Renewal premiums, .... 
Cash received for annuities, 



Total, 

Deduct amount paid for reinsurance, 

* 

Total premium income, 
Cash received for interest, 
Cash received for rents of company's property, 



Total income, .... 
Net or ledger assets, Dec. 31, 1888, . 
Less contingent sinking fund, . 



. $6,468,015 84 

. 18,326,857 32 

563,411 25 

$25,358,284 41 
761 66 

$25,357,522 75 

. 4,231,270 44 

804,495 09 

$30,393,288 28 



.$89,427,026 92 

600,000 00 
88,827,026 92 



Total, $119,220,315 20 



Disbursements. 

Cash paid for losses and additions, 

for matured endowments and additions,. 

to annuitants, 

for surrendered policies, 

Casli dividends paid policy-holders applied in payment of 
2>remiums, 

Total paid policy-holders, 

( lash paid for dividends to stockholders, . 

!'<>i- commissions to agents, .... 
for salaries and travelling expenses of agents, 



f6,825,797 38 

1,052,702 15 

208,880 22 

2,273,084 12 

1,482,394 02 

$11,842,857 89 

7,000 00 

. 2,540,232 04 

166,605 41 



L889.] OF OTHER STATES. 59 

Cash paid for medical examiner's fees $265,138 82 

for salaries of officers and office employ ees, . . 2,828 81 

for taxes and l\*e>, 246,749 52 

for rent, 221.216 28 

for commuting commissions, 887,206 29 

for advertising, 165,648 64 

for incident 1.512,069 69 

T-.tal disbursements ' $17,846,952 89 

Balance $101,873,362 31 



Invested in the following; : — 

Assets as peb Ledges Accounts. 

Book value of real e?t;r $24,653,296 39 

Loans on mortg _ of real estate (first liens), . . - 

Loans on collateral security (schedule A), .... 2,705,000 00 
Book value of stocks and bonds owned (schedule B), . . 37.319,147 45 

Cash in company's office, 6,343 80 

I 3] deposited in banks and trust companies, . . . 11.712.734 07 

Agents" ledger balances, 771,166 14 

Commuted commissions, 567,800 04 

Ledger assets (as per balance), .... $101,373,362 31 

Other Assets. 

Interest due and accrued, 730,738 26 

Rents due and accrued, 99,157 00 

Market value of stocks and bonds, over book value, . . 2,697,138 55 
Uncollected premiums on policies in force, . £341,196 00 
Deferred premiums on policies in force, . . 1,908,717 00 

Total, $2,249,913 00 

Deduct loading (20 per cent.), . . . . 449,982 60 

Xet am 't of uncollected and deferred prem's, . 1.799,930 40 



Total assets per company's books, .... 6106,700,32652 



Items not admitted. 

Commuted commissions, §567,800 04 

Agents' balances 771,166 14 

Total, 1,338,966 18 



Total admitted assets, 8105,361,360 34 

Deduct special deposits in other States and countries, . 3,608,876 00 



Balance, 8101,752,484 34 



60 



LIFE INSURANCE COMPANIES [Dec. 31, 



Liabilities. 

Computed premium reserve or net present value of all out- 
standing policies (actuaries' 4 per cent.), . . . §83,701,466 00 
Death losses and matured endowments in process of adjust- 
ment, 308,071 92 

97,753 00 
126,417 00 



Unpaid dividends of surplus due policy-holders, 
Liability under lapsed policies, 

Liabilities as to policy-holders, . 
Deduct liabilities on special deposits, 



§84,233,707 92 
. 3,474,607 00 



Surplus as regards Tontine policy-holders, . §15,972,463 00 
Surplus as regards other policy-holders, . . 5,020,920 42 



,759,100 92 



Gross surplus, . 
Paid-up capital, 
Surplus over capital, 

Gross liabilities, 



. $20,993,383 42 



100,000 00 
. 20,893,383 42 



$101,752,484 34 



Whole life, 
Endowment, 
All other, . 
Reversionary additions, 



Exhibit of Policies. 

Policies and Additions in force Dec. 31, 1888. 

Number. Amount. Total No. Total Amount. 

. 128,486 $473,677,416 00 

. 18,307 67,004,371 00 

. 1,612 2,760,875 00 

5,773,464 00 

148,405 §549,216,126 00 



Policies issued during the Year. 



Whole life, 


. 


. 36,773 $141,375,419 00 




Endowment, 


. 


. 6,598 24,339,618 00 




All other, . 


. . 


563 1,939,297 00 

43 Q31 


167,654,334 00 










Old Policies revived. 




Whole life, 


, 


. 1,226 §5,189,640 00 




Endowment, 


. . 


211 800,210 00 




All other, . 


dividends, 


10 42,800 00 

1 \ 17 


6,032,650 00 
1,577,116 00 


Additions by 




Total, . 


193,786 


§724,480,226 00 




Policies terminated during the Year. 




Whole life, 


, . 


. 19,214 §77,385,713 00 




Endowment, 


. . 


. 3,557 13,005,750 00 




All other, . 


• • 


349 3,072,097 00 






23,120 §93,463,560 00 





1889.] 



OF OTHER STATES. 



61 



How terminated. 





Number. 


Amount. Total No. 


Total Amount. 


By death, . 


. 1,675 


$6,765,927 00 




niaturity, 


386 


1,062,107 00 




expiry, 


124 


678,500 00 




surrender, . 


. 2,995 


13,096,874 00 




lapse, . 


. 11,619 


37,491,142 00 




Not taken. . 


. G,.S21 


34,369,010 00 








23,120 


$93,463,560 00 



Whole life, 

Endowment, 
All other, . 

Reversionary additions, 



Policies in force Dec. 31, 18S9- 

. 147,271 $542,856,762 00 

. 21,559 79,138,449 00 

. 1,836 3,131,020 00 

5,890,435 00 
170,666 $631,016,666 00 



Schedule A. 
Securities held as Collateral. 

Market value. 

International & Great Northern R.R. bonds, . $3,650 00 

New Fork Central & Hudson River R.R. stock, 10,350 00 

United States Trust Company stock, . . 22,500 00 
St. Paul. Minneapolis & Manitoba R.R. bonds, . 5,900 00 

United States bonds, 5,275 00 

Mercantile Trust Company stock, . . . 13,250 00 

Missouri Pacific Railroad bonds, . . . 111,000 00 

Oregon Short Line Railroad bonds, . . . 114,000 00 

Missouri Pacific Railroad bonds, . . . 98,500 00 

St Louis & Iron Mountain Railroad bonds, . 12,720 00 
Cairo & Fulton Railroad bonds, . . . 5,250 00 

Oregon Railway and Navigation Co. stock, . 670,000 00 

Texas & Pacific Railroad bonds, . . . 63,350 00 
Duluth, South Shore & Atlantic R.R. bonds, . 9,450 00 

Oregon Short Line Railroad bonds, . . . 11,400 00 
Texas & Pacific Railroad bonds, . . . 3,800 00 

Reading Railroad bonds, 2,250 00 

Northern Pacific & Montana Railroad bonds, . 20,900 00 

New York, Lackawanna & Western R.R. stock, 11,500 00 

Chicago & Eastern Illinois Railroad stock, . 8,400 00 

St. Paul & Duluth Railroad stock, . . . 8,400 00 

Milwaukee, Lake Shore & Western R.R. stock, 23,000 00 

New York, Lake Erie & Western R.R. stock, . 32,000 00 * 

Evansville & Terre Haute Railroad stock, . 38,800 00 

Richmond & Danville Railroad bonds, . . 13,200 00 

Western Union Telegraph Company stock, . 51,225 00-\ 

Missouri Pacific Railroad stock, . . . 36,500 00 i 100,000 00 

St. Louis & Iron Mountain Railroad bonds, . 40,710 00 ) 



Amount loaned. 

63,000 00 
20,000 00 

4,000 00 
5,000 00 
5,000 00 

260,000 00 



8,000 00 
500,000 00 

100,000 00 



62 



LIFE INSURANCE COMPANIES [Dec. 31, 



Oregon & Transcontinental Railroad bonds, 
New York, Chicago & St. Louis R.R. bonds, 
Western Union Telegraph Company stock, 
Oregon and Railway Navigation Co. stock, 
Michigan Central Railroad stock, 
Union Pacific Railroad stock, . 
Chicago Gas Company stock, . 
American Cable Company stock, 
Richmond & Danville Railroad bonds, 
Richmond & West Point Railroad stock, . 
Central Railroad of New Jersey stock, . 
Chicago & Northwestern Railroad stock, 
Louisville & Nashville Railroad stock, . 
Chesapeake & Ohio Railroad stock, . 
American Express Company stock, . 
Western Union Telegraph Company stock, 
Texas & Pacific Railroad bonds, 
St. Louis & Iron Mountain Railroad bonds, 
Central Trust Company certificates, 
Chicago, Milwaukee & St. Paul R.R. bonds, 
Missouri, Kansas & Texas Railroad bonds, 
St. Louis & New Orleans Railroad bonds, 
Central Trust Company certificates, 
Texas & Pacific Railroad bonds, 
Denver & Rio Grande Railroad bonds, . 
Chicago, Rock Island & Pacific R.R. bonds, 
Albany & Susquehanna Railroad bonds, . 
Atlantic & Pacific Railroad bonds, . 
Pacific Railroad of Missouri bonds, . 
Chesapeake & Ohio Railroad bonds, 
Chicago, Burlington & Quincy R.R. bonds, 
Chicago, Milwaukee & St. Paul R.R. bonds, 
Richmond & West Point Railroad bonds, 
St. Paul, Minneapolis & Manitoba R.R. bonds, 
Wabash Railroad bonds, 



Market value 

$5,200 00 ^ 

9,400 00 
59,762 00 
10,000 00 
18,800 00 
6,825 00 
4,150 00 
6,020 00 j 
8,800 001 
46,200 00 
25,000 00 
22,200 00 
17,175 00 
2,675 00 
4,680 00 1 
42,687 00 
18,100 00 . 
57,525 00 J 
392,080 00^ 
172,550 00 
51,935 00 
31,360 00 > 
265,650 00 
49,500 00 
19,500 00 J 
100,580 00 ^j 
85,750 00 I 
48,100 00 : 
13,520 00 J 
151,500 00 ) 
110,100 00 
23,750 00 
15,500 00 
43,250 00 
17,255 00 J 



Amount loaned. 



> § 100,000 00 



J> 100,000 00 



> 100,000 00 



800,000 00 



200,000 00 



J. 300,000 00 



$3,404,859 00 $2,705,000 00 



Schedule B. 
Stocks and Bonds owned by the Company. 

Book value. Market value 

Pennsylvania Railroad stock, .... $237,159 00 $224,720 00 

Northern Central Railroad stock, . . . 28,683 00 36,000 00 

Chicago, Rock Island & Pacific R.R. stock, . 705,965 75 638,625 00 

St. Louis, Alton & Terre Haute R R. stock, . 95,515 00 115,000 00 

Delaware, Lackawanna & Western R.R. stock, 292,349 00 287,963 00 

Mercantile Trust Company stock, . . . 1,948,950 00 3,413,145 00 

Western Union Telegraph Company stock, . 424,221 50 426,875 00 



1889.] 



OF OTHER STATE- . 



63 



Chi I , S :. Paul. Minn. A Omaha R.R. stock, 
\ \ York, Lake Erie A Western B R. stock, 
Consolidated Gas Company -t<>ck, . 
Missouri Pacific Railroad stock, 

. York Central A Hudson River R.R. stock 
Delaware & Hudson Canal Company stock, 
Chicago A Northwestern Railroad stock, 
Lake Shore A Michigan Southern R.R. stock. 
Cleveland, Cin., Chic. A St. Louis R.R. stock, 
Erie Railroad bond-, .... 
New York, Chicago & St. Louis R.R. bonds, 
West SI Railroad bond-. 
S Paul, Chicago & Pacific Railroad bond-. 
St Paul. Cliicago v.\: Western Railroad bond-. 
St. Paul. Wisconsin A Minn R EL bond-. . 
St. Paul A Dubuque Railroad bonds, 
St. Paul Mineral Point Railroad bonds, . 

St Paul Railroad bonds 

9 Paul, La Crosse & Davenport R.R. bond-. 

St. Paul general mortgage bonds, . 

Fargo A Southern Railroad bonds, . 

Kansas City A Northern Railroad bonds, 

Pennsylvania Company bonds, 

Mi-- "uri Pacific Railroad bond-. 

Pacific Railroad of Missouri bonds 

Watertown & Rome Railroad bonds. 

Northwest Railroad bonds, 

Fremont, Elkhorn & Mt. Vernon R R bonds, 

Northwest Extension Railroad bonds, 

Iron Mountain Ra'lroad bonds. 

Cairo A Fulton Railroad bonds, 

Omaha Railroad bonds, .... 

Indianapolis cV. St. Louis Railroad bonds, 

Atchison A Pike's Peak Railroad bonds. . 

Albany A Susquehanna Railroad bonds, . 

Morris £ Essex Railroad bonds, 

New York. Lackawanna & Western R R bonds 

Peoria & Pekin Railroad bonds, 

Manitoba Railroad bonds, 

Cleveland, Columbus, Cin. & Ind R.R. bonds 

Kalamazoo & White Pigeon Railroad bond: 

Pittsburg A Lake Erie Railroad bonds, . 

Central Park, North & East River R.R. bonds 

Rock Island Railroad bonds, . 

International & Great Northern R R bonds, 

Hannibal &• St Joseph Railroad bonds. . 

Chicago. Burlington & Quincy R.R bonds, 

Kansas Pacific Railroad bonds, 



Book value. 

£629,070 50 
140,250 00 
510,462 00 
387302 00 

1,001,653 00 
335,701 50 
619,760 00 
738,355 00 
693,614 50 

-2.-J7.V212 50 

\ 17,954 00 

2,188 00 

242.2-5 00 

113.259 00 

98,014 00 

169,395 00 

.065 00 

395,636 00 

165,508 00 

187,060 00 

281,250 00 

124,300 00 

1,019,940 00 

494,142 00 

243,305 00 

15 00 

1.440,325 00 
610,010 00 

1,722,594 00 
709^48 00 
407,951 00 
257,631 00 
171.625 00 
205,045 00 

1,157,500 00 

564,556 00 

69,123 00 

134,903 00 

318,407 00 

598,250 00 

64,424 00 

210,000 00 

57,500 00 

1,087,469 00 
277,500 00 
579,482 00 

1,812,711 00 
62,844 00 



Market value. 

$606,950 00 

126, ) 00 

561,200 00 
328,500 00 

1,009,050 00 
338,100 00 
632,700 00 
752,500 00 
683,700 00 

2,395,515 00 
470,000 00 

2.726,138 00 
274.! '50 00 
126^50 00 
105,000 00 
172,500 00 
58,025 00 
385,500 00 
169,050 00 
190,000 00 
287,500 00 
125,995 00 

1,115.<X»0 00 

555,000 00 

246375 00 

1,240 00 

1,480 00 

• :-22,500 00 

1,737,000 00 
739,455 00 
417.9«:>0 00 
305,000 00 
172,500 00 
2C>3,840 00 

1,225,000 00 

662,250 00 

79,450 00 

152,550 00 

351,000 00 

670,000 00 

60,030 00 

213.500 00 

60,500 00 

1,070,000 00 
271.250 00 
598,750 00 

1,748,818 00 
68,850 00 



64 



LIFE INSUKANCE COMPANIES [Dec. 31, 



Minneapolis & St. Louis Railroad bonds 
Alton & Terre Haute Railroad bonds 
Cedar Falls & Minnesota Railroad bonds, 
Chicago, St. Louis & New Orleans R.R. bonds 

■ 

New York Central Railroad bonds, . 
South Ferry Railroad bonds, 
Cin , lnd., St. Louis & Chicago R.R. bonds, 
Laclede (Jas Light Company bonds, 

United States bonds, 

Western Union Telegraph Company bonds, 

St. Louis city bonds, 

Newark city bonds, 

Mississippi State bonds, .... 
Virginia State bonds, .... 

Kearney city bonds, 

Louisville city bonds, .... 
Toronto city bonds, . . 
Montreal city bonds, .... 

WurtembuTg government bonds, 
Hungarian government bonds, . 
Swedish government bonds, 
Canton of Geneva bonds, .... 
Elizabeth city bonds, .... 

Cape of Good Hope government bonds, . 
Wurtemburg government bonds, 
German government bonds, 
Brazilian government bonds, . 

Italian Rentes, 

Russian government bonds, 



Book value. 

Si 10,000 00 

187,200 00 

129,912 00 

490,000 00 

108,995 00 

105,000 00 

487,500 00 

22,562 00 

774,820 00 

2,012,823 00 

107,625 00 

267,500 00 

9,959 00 

11,371 00 

10,000 00 

286,500 00 

286,890 00 

194,750 00 

47,877 85 

92,300 00 

93,914 35 

19,669 00 

304,650 00 

51,847 00 

24,841 00 

19,179 00 

111,884 00 

96,492 00 

256,783 00 



Market value. 

$95,000 00 

193,100 00 

109,250 00 

490,000 00 

111,000 00 

106,250 00 

495,000 00 

21,750 00 

794,000 00 

2,110,000 00 

116,000 00 

295,000 00 

10,000 00 

11,371 00 

10,175 00 

312,000 00 

292,730 00 

196,017 00 

48,116 00 

80,224 00 

95,647 00 

19,809 00 

318,190 00 

53,758 00 

24,226 00 

19,235 00 

88,846 00 

95,543 00 

206,260 00 



$37,319,147 45 $40,016,286 00 



THE GERMANIA LIFE INSURANCE COMPANY," NEW YORK,N. Y. 

[Incorporated April 10, 1860. Commenced business July 16, I860.] 
Paid-up Capital, $200,000. 



Hugo Wesendonck, President. 



Cornelius Doremus, Secretary. 



Income. 
New premiums without deductions, 

Renewal premiums, 

Cash received for annuities, 

Total premium income, 
Cash received for interest, 



$367,124 64 

1,837,597 17 

52,089 20 

$2,256,811 01 
649,319 74 



1889.] 



OF OTHER STATES. 



65 



Cash received as discount on claims paid in advance, 
for rents <>f company's property, 

for policy fees, 

Total income, 

Net or Ledger assets, Dec. 81, 1888, .... 



Total. 



§2,4G4 66 

53,064 47 

1,340 32 

$2,963,000 20 
13,234,036 61 

§16,197,036 81 



Disbursements. 



Cash paid for losses and additions, .... 
Cash paid tor matured endowments and additions,. 

Gross amount paid for losses and endowments, 

Cash paid to annuitants, 

Cash paid \'^r surrendered policies, . 

: i surrender values, including reconverted 
applied in payment of premiums, 
Cash dividends paid policy-holders applied in payment of 
premiums, 



Total paid policy-holders, .... 

Cash paid for dividends to stockholders, . 
for commissions to agents, 
for salaries and travelling expenses of agents, 
for medical examiner's fees, . 
for salaries of officers and office emplo}ees, 
for taxes and fees, .... 
for commuting commissions, . 
for furniture and office fixtures, 
for advertising, .... 
for incidentals, 

Total disbursements, 



Balance, 



addition 



|858,414 27 
266,195 75 

$1,124,610 02 

16,589 94 

124,736 90 

7,378 20 

264,457 99 

$1,537,773 05 

21,000 00 

314,513 75 

84,473 83 

20,700 28 

69,867 75 

14,809 44 

624 91 

811 11 

11,699 47 

27,220 01 

$2,106,493 60 
$14,090,543 21 



Invested in the following : — 

Assets as per Ledger Accounts 

Cost value of real estate, 

Loans on mortgage of real estate (first liens), 
on collateral security (schedule A), 
on company's policies assigned as collateral, 
Cost value of stocks and bonds owned (schedule B), 
Cash in company's office and in transit (since received) 

Cash deposited in bank, 

Insurance scrip, 



Ledger assets (as per balance),. 



51,532,651 47 

7,347,814 00 

400,000 00 

219,632 80 

4,291,317 78 

62,395 43 

236,621 73 

110 00 

$14,090,543 21 



66 



LIFE INSURANCE COMPANIES [Dec. 31, 



Other Assets. 
Interest due and accrued, .... 
Rents due and accrued, .... 
Market value of real estate, over cost, 
Market value of stocks and bonds, over cost, 
Uncollected premiums on policies in force, 
Deferred premiums on policies in force, . 

Total, 

Deduct loading (20 per cent.), . 

Net ain't of uncollected and deferred prem's, 

Total assets per company's books, . 
Deduct special deposits in other States, . 

Balance, 



$130,957 92 
302,809 12 

|433,767 04 
86,753 41 



$ 120,605 36 

7,275 00 

102,206 16 

158,323 06 



347,013 63 

$14,825,966 42 
941,848 34 

$13,884,118 08 



Liabilities. 

Computed premium reserve or net present value of all out- 
standing policies (actuaries 1 4 per cent.), 
Death losses due and unpaid, . 
Matured endowments due and unpaid, 
Death losses in process of adjustment, 
Claims resisted by the company, 

Total policy claims, . 
Unpaid dividends of surplus due policy-holders, 
Extra reserve for lapsed, war and other policies, 



$13,480,135 00 



'15,106 27 
9,687 13 

66,928 13 
5,000 00 



Liabilities as to policy-holders, . 
Deduct liabilities on special deposits, 

Surplus as regards special policy-holders, 
Surplus as regards other policy-holders, . 

Gross surplus, 

Paid-up capital, ..... 

Surplus over capital, .... 

Gross liabilities, .... 



96,721 53 
56,304 85 
48,076 37 

$13,681,237 75 
907,352 34 

$12,773,885 41 



$54,055 04 
1,056,177 63 

$1,110,232 67 



200,000 00 
910,232 67 

$13,884,118 Oh 



Whole life. 

Endowment, 
All other, . 



Exhibit of Policies. 

Policies and Additions in force Dec. 31, 1S88. 

Number. Amount. Total No. 

. 11,848 $21,754,471 00 

. 15,816 25,655,901 00 

577 1,444,308 00 



Total Amount. 



28,241 $48,854,680 00 



1889.] 



OF OTHER STATES. 



67 



Whole life, 
Endowment, 
All other, . 



Policies issued during the Year. 

Number. Amount. Total No. 

678 $1,778,272 00 

. 4,008 7,815,531 00 

108 314,212 00 

4,794 


Total Amount. 

$9,908,015 00 



Whole life, 
Endowment, 



Old Policies revived. 

5 $9,140 00 

6 6,664 00 



Whole life policies increased, . 
Additions by dividends, 



11 

20 



15,804 00 
42,021 00 
81,327 00 



Total, 33,066 $58,901,847 00 



Whole life, 
Endowment, 

All other, . 



Policies terminated during the Year. 

630 $1,357,358 00 

. 1,866 3,862,532 00 

126 . 430,290 00 



2,622 $5,650,180 00 



How terminated. 



By death 


428 


$846,069 00 






maturity, 


173 


271,793 00 






expiry, .... 


30 


17,683 00 






surrender, 


377 


702,757 00 






lapse, .... 


838 


1,524,130 00 






change and decrease, . 


89 


538,843 00 






Not taken, .... 


687 


1,748,905 00 


2,622 


5,650,180 00 



Whole life, 
Endowment, 
All other, . 



Policies in force Dec. 31, 1889. 



Industrial policies in force, 



11,921 $22,280,763 00 

17,964 29,642,674 00 

559 1,328,230 00 



30,144 f53,251,667 00 
8,276 $947,704 00 



Schedule A. 

Securities held as Collateral. 

Market value. 

Equitable Gas Light Company, N. Y., bonds, . $26,260 00 

Wabash Railroad bonds, 50,500 00 

Wells County, Irid., court-house bonds, . . 46,000 00 



Amount loaned. 



$100,000 00 



68 



LIFE INSURANCE COMPANIES [Dec. 31, 



Chicago, Milwaukee vV St. Paul \V\ bonds, 
Chicago, Rock Island & Pacific Railway bonds. 
Chicago, St. Paul, Minn. & Omaha R.R. bonds, 
Metropolitan Elevated Railroad bonds, . 
Missouri Pacific Railroad bonds, 
New York, Lake Erie & Western R.R. bonds 
St. Joseph cv. Grand Island Railroad bonds, 
Texas & Pacific Railway bonds, 
AY est Shore Railroad bonds, . . 
Canada Southern Railroad stock, 
Chicago, Burlington & Quincy R.R. stock, 
Illinois Central Railroad stock, 
Rock Island & Peoria Railroad stock, 
Philadelphia & Reading Railroad bonds, . 
People's Gas Light Company of Chicago bonds 
Rio Grande Western Railroad bonds, 
St. Joseph & Grand Island R.R., Kansas City 
and Omaha bonds, .... 



Schedule B. 



Market value. Amount loaned. 

250 00 'l 

10,600 00 
12,100 00 

5,800 00 
10,800 00 
28,000 00 
10,400 00 } $200,000 00 

5,520 00 
31,500 00 
38,500 00 
42,400 00 
11,600 00 
29,850 00 J 
44,500 00 
19,400 00 
36,000 00 \ 



100,000 00 



21,000 00 J 



$486,980 00 $400,000 00 



Stocks and Bonds owned by the 



Knited States bonds, 

Mississippi State bonds, .... 
Virginia State bonds, .... 
Newark, N. J., city bonds, 
Dominion of Canada debentures, 
Austrian government bonds, 
Bavarian government bonds, . 
Swiss government bonds,. 
Albany & Susquehanna Railroad bonds, . 
Atchison, Topeka & Santa Fe Railroad bonds 
Atlantic Avenue Railroad of Brooklyn bonds, 
Baltimore & Ohio Railroad bonds, . 
Brooklyn Elevated Railroad bonds, . 
Central Ohio Railroad bonds, . 
Central Park, X. & E. River Horse R.R bonds 
Chicago & Alton Railroad bonds, 
Chicago, Burlington & Quincy R.R. bonds, 
Chicago, Milwaukee & St. Paid R'y bonds, 
Chicago & Northwestern Railway bonds, 
Chicago, Bock Island & Pacific H'y bonds, 
Chicago, Si. Louis & Pittsburg R B bonds, 
Chicago, St. Paul, Minn.A Omaha R.R. bonds 
Cin., Sandusky & Cleveland R.R. bonds, . 

Cleveland, ( 'in., ( 'hie. & St. Louis R'y bonds, 
Columbus, Hock. Vallej & Toledo R.R. bonds. 



Company. 

Cost. 

$111,694 14 

7,500 00 

13,027 55 

49,450 00 

52,625 00 

39,647 30 

10,392 60 

19,358 69 

123,000 00 

57,660 00 

26,187 50 

4,655 00 

52,375 00 

25,56*2 50 

48,605 00 

86,577 50 

31,012 50 

172,692 50 

398,003 75 

73,615 00 

108,717 50 

248,672 50 

30,450 00 

39,250 00 

58,190 00 



Market value 

$186,480 00 

10,000 00 

18,224 75 

49,550 00 

52,625 00 

39,647 30 

10,392 60 

19,358 69 

133,000 00 

55,620 00 

26,187 50 

4,810 00 

53,875 00 

25,562 50 

47,200 00 

83,940 00 

29,150 00 

171,420 00 

428,140 00 

73,282 50 

104,380 00 

256,370 00 

31,200 00 

38,425 00 

56,640 00 



188 



OF OTHER STATES. 






A Mi !ii_r hi Railroad bonds, 
tern Railroad bonds, . 
1 > md Hilda 

Dobnqn k S ix ( ity RaQro i -. . 

m . Virginia & G 
Elizabethtown, Lex vv idyRR 

Flinl M ilroad bonds 

. Harrisl) irg 9 □ Antonio I! B b nds, 
id Rapids & [ndiana Railroad 
& S1 ' Railroad b 

Illinois Central Railroad bonds, 

onnty E : Railway bonds, . 

Fulton Elevated Railway bonds, 
L:ik' n Railroad bonds, 

Lake Shore* Michigan Southern R'y bonds, 
Long Island Railway bonds, 
Michigan Central Railroad bonds, . 
Milwaukee, Lake S i '•'•' - B 

Minneapolis & Si Louts Railway bonds, . 
Missouri Pacific Railway 



rk, Lake Eri<' & Wi stern R'v bonds, 
Northern P Etailroad bonds, 

North Hudson County Railroad bonds, . 
Philadelphia v.V: Reading Railroad bonds,. 
Pittsburg meUsville Railroad bonds, 

Rio I Western Railroad bon 

St. Joseph & Grand Island B >nds, 

St. Paul. Minneapolis ft Manitoba R'y I 

nd Arena II nrae R.R. of X. Y. bonds, 
Terre Haute & Indianapolis Railroad bonds, 
Third Avenue Railroad of New York bonds. 

Wabash Railroad bonds 

42d St., Man ft St N. Av. H R R..X. Y., stock. 



$2'''. 9 

225 00 

- 

00 
I 00 
20, ■ • 00 
17, 
90. 

00 

25, I 00 

.000 00 

12;. 
49,71 

5G. ■: 

00 



New Fork Central ft Hudson River R.R. bond-. 



271, 

? 
125,700 00 
80,125 
74,750 00 

. - 00 
.100 00 

- .00 

a 

- ,375 00 
102,750 00 



Market value. 

00 

34 
. :. 

41.000 00 

25 00 

. I 00 

- 00 

-.000 00 

00 

- 25 00 

25, 

00 

00 

. 00 

124,515 00 

00 

00 

- 

00 
00 

83,7* 

75, 

26,500 00 

2 .395 00 

28,12a 

2.000 00 

- X) 00 



- 1,317 78 $4.44. 



" HOME LIFE INSURANCE COMPANY," NEW YORK. N. Y. 

[Incorporated April 3D, 1860 Commenced business May 1, 1560 ] 
Paid-up Capital, $125,000. 

George C. Ripley, President. George II. Ripley. Secretary. 

Income. 

New premiums without deduction- 6 21 S. 003 23 

Renewal premiums. . 



Cash received for annuities. 



Total 

Cash received for interest. 



~3 97 
18 SI 



$930,301 01 
281 m \ 



70 



LIFE INSURANCE COMPANIES [Dec. 31, 



Cash received for rents of company's property, 
(ash received for profits on real estate sold, . 



Total income, .... 
Net or ledger assets, Dec. 31, 1888, . 



Total, 



$9,434 64 
629 64 

$1,224,916 08 
6,027,120 17 

$7,252,036 25 



Disbursements. 

(ash paid for losses and additions, 

Premium notes or loans used in payment of same, . 
Cash paid for matured endowments and additions, . 
Premium notes or loans used in payment of same, . 

Gross amount paid for losses and endowments, 

Cash paid to annuitants, 

Cash paid for surrendered policies, 

Premium notes or loans used in purchase of surrendered 

policies and voided by lapse, 

Cash dividends paid policy-holders applied in payment of 

premiums, 

Premium notes or loans used in payment of dividends, . 

Total paid policy-holders, 

Cash paid for dividends to stockholders, .... 
for commissions to agents, .... 
for salaries and travelling expenses of agents, 
for medical examiner's fees, .... 
for salaries of officers and office employees, . 

for taxes and fees, 

for rent, 

for advertising, 

for incidentals, 

Total disbursements, 

Balance, 



$318,850 71 

17,290 33 

54,789 56 

6,340 63 

$397,271 23 
2,449 63 

67.927 05 

23,345 70 

68.928 81 
68,974 76 

$628,897 18 

15,000 00 

143,668 73 

36,641 83 

12,825 00 

40,458 33 

' 8,170 52 

8,508 00 

7,660 53 

6,284 40 

,114 52 



1,343,921 73 



Invested in the following : — 

Assets as per Ledger Accounts 

Cost value of real estate, 

Loans on mortgage of real estate (first liens), 
on collateral security (schedule A), 
on company's policies assigned as collateral, 

Premium notes or loans on policies in force, . 

Cost value of* stocks and bonds owned (schedule 15), 

( lash in company's office, 

( lasfa deposited in bank, 

Agents 1 ledger balances, 

Ledger assets (;<- per balance), 



$168,300 00 

1,281,650 00 

931,325 00 

35,705 32 

585,825 19 

3,288,917 97 

760 71 

37,293 17 

11,111 37 

$6,313,921 73 



1889.] 



OF OTHER STATES. 
Other Assets. 



Interest due and accrued, .... 

Rents due and accrued, .... 

Market value of stoeks and bond-, over cost, 

Uncollected premiums on policies in force, . . $154,457 54 

Deferred premiums on policies in force, . . 47,131 95 

Total, $201,589 49 

Deduct loading (-20 per cent ) 40,317 90 

Net ain*t of uncollected and deferred prem's, 

Total assets per company's books, . 

Items not admitted. 
ttts 1 balances, 

Total admitted assets, 

Liabilities. 
Computed premium reserve or net present value of all out- 
standing policies (actuaries" 4 per cent.), 
Death losses in process of adjustment, 
Unpaid dividends of surplus due policy-holder-. 
Premiums paid in advance, .... 



71 



$30,632 2!) 

1,505 82 

171,117 53 



161,271 59 

$6,708,448 96 

14,144 37 
§6,694,304 59 



Liabilities as to policy-holder-. . 
Surplus as regards policy-holders, . 

Paid-up capita], 

Surplus over capital, 



• *li 



Gross liabilities, 



390,529 14 



$5,265,386 00 

18,503 00 

15,928 53 

3,957 92 

$5,303,775 45 

125,000 00 

1,265,529 14 

$6,694,304 59 



Premium Xote Account 

Premium notes on hand Dec. 31, 1888, . . $609,912 32 

Premium notes received during 1889, . . 128,018 52 

Total, 

L'sed in payment of losses and claims, . . $23,630 96 
L'sed in payment of surrendered policies and 

voided by lapse, 23,345 70 

Used iu payment of dividends to policy-holders, 68,974 76 

Redeemed by maker in cash, .... 36,154 23 

Total, 



f737,930 84 



Balance note assets, Dec. 31, 1889, 



152,105 65 

$585,825 19 



Exhibit of Policies. 
Policies and Additions in force Bee. 31, 1888. 

Number. Amount. Total No. Total Amount. 

Whole life, . . . 8,659 $ 17,598,912 00 
Endowment, . . . 2,849 5,088,774 00 
Annuities, .... 5 - 

Reversionary additions, . - , 60,613 00 

11,513 $22,748,299 00 



72 



LIFE INSURANCE COMPANIES [Dec. 31, 



Policies issued during the Y< ar. 



Whole life, 

Endowment, 

Annuities, . 



Whole Life, 

Endowment, 



Number. 

2,644 

509 

3 


Amount. *Total No. 

$ 5,801, 876 00 
869,006 00 

3,156 


Total Amount. 

$6,670,882 00 



Old Policies revived. 

21 $56,000 00 

3 4,000 00 



24 



Whole life policies increased, 
Additions by dividends, 



60,000 00 
12,625 00 
20,595 00 



Total, 14,693 $29,512,401 00 

Policies terminated during the Year. 
Whole life, . . . 1,173 $2,813,679 00 

Endowment, ... 398 819,528 00 

All other, .... - 23 00 







1,571 


|3,633,230 00 






How terminated. 


By death, . 


. 


165 


$336,141 00 


maturity, 


. 


42 


61,130 00 


surrender, . 


. 


481 


1,109,113 00 


lapse, . 


. 


510 


1,066,500 00 


change and deer* 


3ase, . 


- 


84,346 00 


Not taken, . 


Politic^ 


373 


976,000 00 




? in force Bee. 31, 18 '< 


Whole life, 


. 


10,151 


$20,655,734 00 


Endowment, 


. 


2,963 


5,142,252 00 


Annuities, . 


. , 


8 


- 


Reversionary additions, 


- 


81,185 00 



1,571 3,633,230 00 



13,122 $25,879,171 00 



184 shares Union Trust Company, N. Y , 



Schedule A. 

Securities, held as Collateral. 

Market value. 

. $119,600 00 



Manhattan Life Ins. Co., N. Y., 
Phoenix Ins. Co., Brooklyn, N. Y., . 
Twenty-third Street Wy, N. Y., 
Mun. Elec. Light Co., Brooklyn, . 
Dry Dock, E. B'way& Batt'yRR,. 
Nassau Nat Bank, Brooklyn, N.Y., . 
Brooklyn Bank, Brooklyn, N. Y., . 
Title Guar. & Trust Co , Brooklyn, . 
Long Island Bank, Brooklyn,. 
Nassau Trust ( lompany, Brooklyn, . 
Standard Oil Trust, 



10 ' 

20 ' 

15 ' 

200 ' 

20 ' 

20 ' 

89 ' 

20 ' 

80 ' 

10 ' 

80 ' 
Flatbush Water Works, N. v., bond, 



2,000 00 
1,330 00^ 
3,150 00 
2,480 00 
2,500 00 
5,200 00 
3,120 00 \ 
2,240 00 
2,115 00 
1,1(50 00 
4,500 00 
1,090 00 J 



Amount loaned. 

$45,000 00 
125 00 



20,000 00 



L889.] 



OF OTHER STATES. 



Market value. 

21 Bhares New York Mutual Gas Light Co, . |2,400 00 

Missouri Pacific Railroad bonds, . 2,260 00 

r> shares American Exchange Nal irk. XV.. . 7,335 00 

• Consolidated Gas Company, N. Y., . 5,46000) 

20 " Standard Fire Ins. Co., N. Y., . . 1,050 00$ 

New River Bridge Company bonds, . . 30,000 00 

shares New York Mut Gas Light Co, N Y., 25,000 00> 

100 share- Low Moor Ir<>u Company, Va , . 10,000 00 J 

Columbns, Hocking Val. & Toledo R.R bonds, 6,840 00 j 

shares Manhattan Elevated R'y Co , N. Y., , 10,000 00 

300 " Pacific Mail Steamship Company, . 10,875 00 > 

200 - Cleve., Col., an. & St LouisRR.,. 10.500 00 j 

Toledo, St. Louis & Kansas City R R. bonds, . --'."10 00 > 

■ shares Lehigh Valley Railroad, . . 12,400 00' 

900 " Delaware, Lack & Western R.R,. 60,750 00 

500 " New York Steam Company, N.Y., 10,000 00 

400 " Calomet& Chic. Canal & Dock < 12,000 00 

" Missouri, Kansas & Texas RR., . 24,150 00 

600 " Atchison, Topekaft Santa Fe R II . 19,800 00 

1000 " standard Gas Company, N. V.. . 

6000 " Wabash, St. Louis & Pacific R 1! . , 94,500 00 

1000 " Calumet &Chic Canal & Dock ( !o . 31,000 00 } 

400 - Chicago, Rock [si. & Pacific R R.. 38,800 00 

Wabash & St. Louis Railroad bonds, . . 18,000 00 

Chicago & Atlantic Railroad bonds, , . . 63,080 00 

New Vork. Lake Erie & Western R.R. bonds, . 10,080 00 

Chicago & Great Western Railroad bonds, . 9,000 00 

Houston & Texas Railroad bonds, . . . 15.200 00 

Wabash Railway bonds, 103,717 50 

Atchison, Topeka & Santa Fe Railroad bonds, 31,800 00 j 

500 shares Western Union Telegraph Co., . 41,502 50" 

500 " Buffalo, Rochester & Pittsbg R.R., . 26.225 00 

200 " Rich & W. Pt Ter. & Warehouse, . 15,300 00 

200 " Marquette, Houghton & Ont. R.R., . 2,000 00 

100 " Rich & W. Pt. Ter. & Warehouse, . 2,025 00 

Texas Pacific Railroad bonds, .... 24,435 00 

Boston, Hoosac Tunnel & Western R R. bonds, 3,960 00 

Chicago Gas Light and Coke Company bonds, 2,790 00 
Duluth, South Shore & Atlantic R.R. bonds, . 940 00 J 

10 shares Missouri Pacific Railroad, . . 702 50 

218 M Chase National Bank, N. Y., . . 54,500 00 

900 " Central Railroad of New Jersey, . 108,900 00 

200 " Manhattan Elevated R.R. , X. Y., . 20,000 00 

KnoxTille & Ohio Railroad bonds, . . . 3,420 00 

East Tenn, Virginia & Georgia RR bonds, . 3,120 00 

700 shares Central Railroad of New Jersey, . 84,700 00 

700 " Lake Erie & Western Railroad, . 43,750 00 

300 " Delaware, Lack. & Western R R., . 20,250 00 

800 " Northern Pacific Railroad, . . 41,600 00 



Amount loaned. 

$3,500 00 

1,200 00 

4,000 00 

•25,000 00 

24,500 00 

5,000 00 

25,000 00 



325,000 00 



} 100,000 00 



} 150,000 00 

100,000 00 
50,000 00 



74 



LIFE INSURANCE COMPANIES [Dec. 31, 



25 shares Seventh National Bank, N. Y , 

50 " Chicago, Burl. & Quincy Railroad, . 

200 " Mahoning Coal Railroad, 
Richmond & Alleghany Railroad bonds. . 
New York Central & Hudson River R.R. bonds, 
Laclede Gas Light Company, St. Louis, bonds, 
Savannah & Western Railroad bonds, 



ZSInrkct value 

$3,250 00 >! 

5,300 00 

5,000 00 

3,900 00 j> 

13,200 00 ' 

8,362 50 

21,780 00 J 



Amount loaned. 



$50,000 00 



$1,521,765 00 $931,325 00 



Schedule B. 

Slocks and Bonds owned by the Company. 

Cost. 

Central Trust Company stock, . . . $29,500 00 

American Exchange National Bank stock, . 22,512 25 

National Bank of Commerce stock, . . . 34,085 75 

United States bonds, 1,480,433 72 

Fidelity Loan and Trust Company bonds, . 50,000 00 

Oswego & Syracuse Railroad bonds, . . 38,950 00 

New York, Lackawanna & Western R.R. bonds, 97,500 00 

Albany & Susquehanna Railroad bonds, . . 224,000 00 

Chicago & Northwestern Railroad bonds, . 281,400 00 

Brooklyn park bonds, 329,572 50 

New Y'ork, Lake Erie & Western R.R. bonds, . 109,083 75 

Morris & Essex Railroad bonds, ... 267,967 50 

New York, Chicago & St Louis R.R bonds, . 221,412 50 

Jefferson Railroad bonds, 102,500 00 



Market value. 

$50,000 00 

22,162 25 

34,085 75 

1,528,500 00 

50,000 00 

38,950 00 

100,000 00 

224,000 00 

281,400 00 

459,200 00 

106,390 00 

267,967 50 

194,880 00 

102,500 00 



1,288,917 97 $3,460,035 50 



"MANHATTAN LIFE INSURANCE COMPANY," NEW YORK, N. Y r . 

[Incorporated 1850. Commenced business Aug. 1, 1850.] 

Paid-up Capital, $100,000. 

James M. McLean, President. Henry Y. Wempee, Secretary. 

Income. 

New premiums without deductions, $569,262 98 

Renewal premiums, 1,189,324 02 

Cash received for annuities, 4,715 28 



Total 

Deduct amount paid for reinsurance 

Total premium income, 
( lash received for interest, 

as discount on claims 
for rents of company 



Total income, 
Net or Ledger assets, Dee. 81, 1888, 

Total, 



paid in advance, 
s property, 



$1,763,302 28 
844 50 

$1,762,957 78 

480,626 78 

533 64 

5,939 85 

$2,250,058 05 

10,961,149 08 

$13,211,207 13 



1889.] 



OF OTHER STATES. 



75 



Disbursements. 

Cash paid for losses and additions, 

Premium notes or loan- nsed in payment of same, 

Cash paid to annuitants, 

Cash paid for surrendered policies, 

Premium notes or loans nsed in purchase of surrendered 

policies and voided by lap--'. 

Cash dividends paid policy-holders, applied in payment of 

premiums, ......... 



Total paid policy-holders, ...... 

Cash paid for dividends to stockholders 

for commissions to agents 

for salaries and travelling expenses of agents, 
for medical examiner's fees, .... 
for salaries of officers and, office employe* 

for taxes and fees, 

for rent, 

for advertising, 

for incidentals, 

Total disbursement 

Balance, 



$965,304 88 

66,134 00 

3,157 18 

225,292 69 

6,2U 25 

175,424 99 



$ 1,441,587 99 

24,000 00 

429,956 90 

25,548 26 

27,658 20 

71,797 17 

17,432 85 

14,149 96 

15,830 50 

53,757 16 

82,121,718 99 

? 11,089,488 14 



Invested in the following:: — 

Assets as ter Ledger Accounts 

Cost value of real estate, ... 

Loans on mortgage of real estate (first liens), 

Loans on collateral security (schedule A), 

Premium notes or loans on policies in force, . 

Cost value of stocks and bonds owned (schedule B), 

Cash in company's office, 

Cash deposited in bank, 

Ledger assets (as per balance), 



$276,415 87 
4,120,430 68 
3,821,562 50 

855,178 78 

1,815,362 98 

4,120 22 

196,417 11 

$11,089,488 14 



Other Assets. 
Interest due and accrued, .... 
Rents due and accrued, .... 
Market value of stocks and bonds, over cost, 
Uncollected premiums on policies in force, 
Deferred premiums on policies in force, . 

- Total, 

Deduct loading (20 per cent.), . 

Xet ain't of uncollected and deferred prem's, 

Total assets per company's books, . 



$216,861 81 
160,364 95 

$377,226 76 
75,445 35 



115,897 33 

973 32 

221,260 02 



- 301,781 41 
$11,729,400 22 



76 LIFE INSURANCE COMPANIES [Dec. 31, 

Dedm-t special deposits in other States, $29,012 00 



Balance, $11,700,388 22 

Liabilities. 

Computed premium reserve or net present value of all out- 
standing policies (actuaries 1 4 per cent.), .* . . $10,495,429 00 

Death losses and matured endowments in process of adjust- 
ment, 130,485 00 

Unpaid dividends of surplus due policy-holders, . . . 51,134 37 

All other liabilities, 22,059 84 



Liabilities as to policy-holders, . . . . . $10,699,108 21 
Deduct liabilities on special deposits, 29,012 00 



$10,670,096 21 
Surplus as regards policy-holders, . . . $1,030,292 01 

Paid-up capital, 100,000 00 

Surplus over capital, . . 930,292 01 



Gross liabilities, $11,700,388 22 

Premium Note Account. 

Premium notes on hand Dec. 31, 1888, . . $906,383 26 
Premium notes received during 1889, 



Total, 

Used in payment of losses and claims, 

Used in payment of surrendered policies and 

voided by lapse, 

Used in payment of dividends to polic} T -holders 
Redeemed by maker in cash, . 



Total, 

Balance note assets, Dec. 31, 1889, 



31,032 23 

$44,735 48 

25,982 93 
3,886 30 
7,632 00 



)37,415 49 



82,236 71 

$855,178 78 



Exhibit of Policies. 
Policies and Additions in force Dec. 31, 1888. 

Number. Amount. Total No. Total Amount. 

Whole life, . . . 12,125 $33,394,600 00 
Endowment, . . . 3,053 8,769,532 00 
All other, .... 389 1,340,281 00 

15,567 $43,504,413 00 

Policies issued during the Year. 

Whole life, . . . 4,274 $12,594,754 00 
Endowment, . . . 452 1,421,002 00 
All other, .... 920 8,819,355 00 

5,646 17,335,111 00 



1889.] 



OF OTHER STATES. 



77 



Whole life, 
Endowment, 



Old Policies revived. 

Number. Amount. Total No. Total Amount. 

12 $48,600 00 

4 9,500 00 
10 $53,100 00 



Total, 21,229 §60,892,024 00 



Policit s t< rminated 'hiring the J"< ar. 



Whole life, 
Endowment, 

All other, . 



By death, . 

maturity, 
surrender, . 
lapse, . 

change and decrease, 
Not taken, . 



2,047 


$0,524,582 00 


612 


1,947,184 00 


386 


1,283,792 00 


3,045 


19,755,558 00 


En//- terminaU d. 


326 


1963,905 00 


31 


66,134 00 


224 


678,650 00 


1,162 


3,158,691 00 


162 


581,098 00 


1,140 


4,307,077 00 



3,045 9,755,558 00 



Whole life, 
Endowment, 

All other, . 



Policies in force Bee. 31, 18S9. 

. 14,364 $39,508,372 00 
. 2,897 8,252,850 00 
923 3,375,844 00 
18,184 $51,137,066 00 



Schedule A. 
Securities held as Collateral. 

Market value. 

Oregon Railroad and Navigation Co. bonds, . $5,600 00 

Central Iowa Railroad bonds, . 
Bankers' and Merchants' Telegraph Co. bonds 
171 shares Union Trust Company, 






200 " Western Union Telegraph Co., 
100 " W r agner Palace Car Company, 
1000 " Weehawken Docks Company, 
1000 " Mercantile Trust Company, 
100 " Central Park, N. & E. River R.R. 
80 " Chicago & Northwestern R.R., 
20 " Union Trust Company, . 
100 " Western Union Telegraph Co., 
40 " National Citizens 1 Bank, 
50 " N. Y., New Haven & Hart. R.R. 
Lehigh & Wilkesbarre Railroad bonds, . 
Oregon Short Line Railroad bonds, . 
Consumers 1 Gas Company bonds, . 
N. Y , Susquehanna & Western R.R. bonds, 
Oregon & Transcontinental Railroad bonds, 



55,000 00 

20,000 00 

68,400 00 

16,600 00 

14,000 00 

100,000 00 

200,000 00 

11,000 00 

11,200 001 

8,000 00 

8,300 00 

1,900 00 

12,100 00 

3,400 00 

3,400 00 

1,000 00 

5,900 00 

1,000 00 j 



Amount loaned. 

$2,000 00 
40,062 50 



68,000 00 

33,000 00 

100,000 00 

8,000 00 



}> 37,000 00 



78 



LIFE INSURANCE COMPANIES [Dec. 31, 



Missouri, Kansas & Texas Railroad bonds, 
1600 shares Nash., Chattanooga & St. L.R.R., 
Alton & Terre Haute Railroad bonds, 
Lehigh & Wilkesbarre Railroad bonds, . 
inn shares I2d St. & Grand St. Ferry R.R., 
500 shares Consumers 1 Gas Company, 
Brooklyn water bond, .... 

United States bond, 

90 shares X. Y. Central & Hudson River R.R. 

25 shares Hanover National Bank, . 

St. Paul, Minneapolis & Manitoba R.R. bonds 

X Y , Chicago & St. Louis Railroad bonds, 

Wabash, St. Louis & Pacific Railroad bonds, 

15 shares American Telegraph and Cable Co. 

Christopher & 10th Street Railroad bond, 

N. Y. Central & Hudson River R.R. bond, 

Louisville and Nashville trust, 

Missouri, Kansas & Texas Railroad bond, 

Oregon Short Line.& Utah So. R.R. bond, 

22 shares Union Trust Company, . 
300 " Wagner Palace Car Company, 
100 " Bank of the Metropolis, . 

15 " Western Union Telegraph Co., 
210 " Citizens' Insurance Company, 
New York, Chicago & St. Louis R.R. bonds, 
New York, Chicago & St. Louis R R. bonds, 

United States bonds, 

18 shares N. Y., New Haven & Hartford R.R. 
Colorado Coal and Iron Company bonds, 
Missouri, Kansas & Texas Railroad bonds, 
100 shares American Cable Company, 

50 " E. Tennessee, Virginia & Ga. R.R 
400 " New York, L. Erie & Western R.R 
Shenandoah Valley Railroad bonds, 
Chicago, St. Louis & Paducah R.R. bonds, 
Michigan Central Railroad bonds, . 
Denver, Rio Grande & Western R.R. bonds, 
Oregon & Transcontinental Railroad bonds, 
Cincinnati & Springfield Railroad bonds, 
100 shares Belleville & Southern Illinois R.R 
200 M Manhattan Railroad, 

50 " Missouri Pacific Railroad, 
100 " Western Union Telegraph Co., 
100 " Del., Lackawanna & Western R 1! 
300 " Alton & Terre Haute Railroad, 

LOO " N. V., Chicago & St. Louis R R , 
Texas & Pacific Railroad bonds, 
700 shares Missouri Pacific Railroad, 



Market value. 

|2i,900 00 

40,800 00 
2,200 00 
12,600 00 
20,000 00 
49,500 00 
1,000 00^ 



Amount loaned. 
$45,000 00 

10,000 00 

6,500 00 
28,000 00 



600 00 



9,500 00 
8,100 00 J 
5,800 00 > 
4,700 00 
25,200 00 > 
3,700 001 
1,300 00 
1,100 00 
2,100 00 \ 
1,100 00 
2,200 00 
8,800 00 J 
30,000 00 
32,500 00 
1,245 00 
5,000 00 
1,800 00 
14,100 00 
5,200 00 
4,300 00 
2,000 00 
7,300 00 \ 
8,300 00 
3,300 00 
10,400 00 
4,500 00 j 
5,500 00 
1,100 00 
4,900 00 
1,000 00 \ 
1,000 00 
7,500 00 
20,000 00 
3,500 00 
8,300 00 
6,700 00 
34,500 00 > 
7,000 00 
11,100 00 
49,700 00 



\ 12 000 00 



20,000 00 



15,000 00 



50,000 00 

1,000 00 
5,000 00 

5,000 00 
5,000 00 



100,000 00 



50,000 00 



*9.] 



OF OTHER STATES. 



79 



Chicago & Eastern Illinois Railroad bonds. 

shares Nash , Chattanooga & Si L HI! 
Missouri Paci 6c Railroad bonds, 
St. Louis, Iron Mount & Southern R.R. bonds 
1000 -hare- Missouri Pacific Railroad, 
600 " Manhattan Railroad, 
1400 »« Western Union Telegraph Co, 
100 '• TennesJ 1 & Iron Company 

100 M Manhattan Railroad, 
100 M Chic, Rock Island & Pacific R R 
I » Delaware, Lack. & Western R.R 
" St. Paul, Miuneap. & Man R.B 
200 M Chic., Milwaukee & St Paul B R 
•Jim) " Missouri Pacifio Railroad, . 
Cedar Rap. la Falls & Sioux City R.R. bonds 
Columbus, Hocking Val. & Toledo R.R bonds 

shares Manhattan Railroad, 
!•'. shares N". Y. Cent. & Hudson River R.R.. 
Missouri, Kansas & Texas Railroad bonds, 
Winona & St Paul Railroad bonds 
Columbus, Hocking Val. & Toledo R R. bonds 
Ogdensburg Oc Lake Champlain R R bonds, 
190 shares Oregon R R and Navigation Co , 
Fort Worth & Denver City Railroad bonds, 
60 shares Chicago, Rock Island & Pacific R.R 
Laclede Gas Company bonds. . 
5 I shares Northern Pacific Railroad. 
200 shares Missouri Pacific Railroad. 
Indianapolis, Dec. & Springfield R R. bond-. 
Chesapeake & Ohio Railroad bonds, 
Philadelphia Oc Reading Railroad bonds, . 
St. Louis, Iron Mt & Southern R.R. bond-. 
Atlantic & Pacific Railroad bonds, . 
Chicago, Burlington & Quincy Railroad bond: 
Missouri Pacific Railroad bonds, 
Duluth. South Shore & Atchison R.R. bond-. 
500 shares Western Union Telegraph Co., 
500 " Mil . Lake Shore & Western R R, 
200 " Cleve , Col., Cm. & St. Louis R.R 
400 " Central Railroad of Xew Jersey, 
500 " Manhattan Railroad, 
Knoxville & Ohio Railroad bonds, . 
200 shares Northern Pacific Railroad, 
E Tennessee, Virginia & Georgia R R. bonds 
Knoxville & Ohio Railroad bonds, . 
1000 shares N. Y , Lake Erie & Western R.R 
300 li Louisville & Nashville Railroad, 
650 " Wheeling 1 & Lake Erie Railroad. 



Amount loaned. 

$15,n 10 

16,000 00 



400,000 00 



)> 100,000 00 



Market value. 

B00 00 

■J' MOO 00 
162,000 00^1 

154,000 00 j 

71,000 00 [ 

50,000 00 | 

116,200 00 J 

9,800 00^ 

10,000 00 

9,700 00 

13,500 00 \ 100,000 00 
50,500 00 ' 

13300 oo 

14,200 00 J 
2,700 001 
7, GOO 00 
25,000 00 
1300 00 
8,100 00 
8,400 00 
3,800 00 
5.100 00 
19,000 00 
15,400 00 
1,800 00 
4,100 00 
3,700 00 
14,200 00 J 
:; 1.000 00 \ 
2,000 00 ' 
24,100 00 
11,500 00 > 
11,100 00 
21,200 00 j 
19,600 00 J 
23,700 00^1 
41,500 00 
48,500 00 
14,000 00 j 
50,000 00 ^ 
50,000 00 ' 
11,000 00 t 
14,800 00 j 
23,900 001 
11,000 00 j 
26,000 00 > 
25,500 00 | 
43,500 00 J 



100,000 00 



} 100,000 00 



> 100,000 00 



100,000 00 






LIFE INSURANCE COMPANIES [Dec. 31, 



shares Western Union Telegraph Co., 
100 shares Manhattan Railroad, 
Wabash, St. Louis & Pacific Railroad bonds, 
Boston, Hoosac Tunnel & Western R R bonds 
LOO shares Missouri Pacific Railroad, 
Pittsburg, Painsville & Fairpoint R R. bonds, 
New York. Chicago & St. Louis U.K. bonds, 
69 shares Second Avenue Horse Railroad, 
17 " Third Avenue Horse Railroad, 
33 " Chicago. & Northwestern Railroad, 
Missouri, Kansas & Texas Railroad bonds, 
16 shares N. Y., X. II. & Hartford R.R.,. 
100 shares Tennessee Coal and Iron Company 
Chicago, Rook Island & Pacific R R. bonds, 
New York. Lake Erie & Western R.R. bonds, 

shares Louisville & Nashville Railroad, 
Wabash, St Louis & Pacific Railroad bonds, 
GOO shares Chicago, Mil. & St. Paul R.R., 
33 shares Morris & Essex Railroad, . 
Central Paeitic Railroad bonds, 
200 shares Tennessee Coal and Iron Company 
Lake Shore Railroad bonds, 
Pittsburg, Fort , \Yayne & Chicago R R. bonds 
Michigan Central Railroad bonds, . 
Morris & Essex Railroad bonds, 
1000 shares Cleve , Col , Cin. & St. Louis R.R. 
Xew York, Lake Erie & Western R R. bonds, 
200 shares Alton & Terre Haute Railroad, 
400 " Richmond & W. Pt Ter & Wh. Co. 
10 " Xew Y'ork L. & T. Company, . 
40 " Chicago & Northwestern Railroad 
300 " Missouri Pacific Railroad, 
450 " Cleve., Col , Cin. & St. Louis R.R 

25 " Chicago, Burl. & Quincy R.R., 
Union Elevator Company bonds, 
Toledo, St. Louis & Kansas City R R. bonds, 
Western New York & Pa Railroad bonds, 
Savannah iSz Western Railroad bonds, 
Chicago Gas Company bonds, . 
Kansas Cit\ & Omaha Railroad bonds, . 
Chicago, Burlington & Quincy U.K. bonds, 
St. Louis, Arkansas & Texas II II. bonds. 

United States bonds, 

loo shares Cleve, Col , Cin. & St. Louis R.R 
Richmond & \V. Point Ter & Wh. Co. bonds, 
100 -halt- Delaware, Lack. & Western 1! R , 
500 " Oregon Railway & Navigation Co. 
900 " Northern Paeitic Railroad, 



Market value 

124,900 00 1 

10,000 • 00 
2,000 on 
6,800 00 > 
7,100 00 
7,000 00 
4,700 00J 
7,000 00^ 

11,200 00 
4,600 00 

11,000 00 
3,800 00 
9,800 00 <> 
4,000 00 
3,600 00 

17,000 00 

12,600 00 

41,400 00 
7,900 00^ 
5,600 00 

19,600 00 
5,000 00 
4,400 00 
5,000 00 
2,900 00 

78,100 00 
6,000 00^ 

23,000 00 

30.400 00 
6,000 00 
4,400 00 

21,300 00 

31,500 00 
2,600 00 J 
5,400 00 \ 

30,000 00 
2,900 00 
9,900 00 

27,900 00 
8,800 00 \ 

10,400 00 ' 
4,300 00 
2,000 00 
7,000 00 

18,400 00 J 
6,700 00 

50,000 00 

66,600 00 



Amount loaned. 



$50,000 00 



100,000 00 



} 100,000 00 



} 100,000 00 



100,000 00 



100,000 00 



1889.] 



OF OTIIKU STATES. 



81 



hicago, l»«>rk [aland A Pacific R.R. 
New York A Northern Railroad bonds, . 
."■I shares Consolidated Gas Company, 

g Dock Company bonds, 
New Y<>rk, Luke Erie A Western RH. bonds, 

shares Manhattan Railway, 
20U • Cleve., Col, Cin. & St. Louis R.R., 
400 " Oregon Railway & Navigation Co. 
Missouri, Kansas v.v Texas Railroad bonds, 
100 shares Philadelphia & Reading Railroad, 
100 - Louis A Alton Railroad, . 

100 - Rome, Watertown A < tgdens. R R. 
Detroit, Bay City A Alpena Railroad bonds, 
Savannah A Western Railroad bonds, 
New York Central \* Hudson River R.R. bonds 
._ sfa ■ a < !hicago, Milwaukee A St. Paul R R 
shares Richmond *.v W. Point Ter.AWh.Co. 
Green Bay, Winona A St Paul Railroad bond 
New York Central A Hudson River R R bonds 
100 shai - S i nth National Bank, . 
Laclede Gas Company bonds 

-;i ar - Pullman Palace Car Company, 
Ohio River Railroad bond, 

-hares Lake Shore £ Mich. Southern R.R. 
600 " Pullman Palace Car Company. 
1"" " Nashville, Chatt & St Louis R.R., 
Savannah A Western Railroad bonds, 
2 -hare- Buffalo, Roch. A Pitt-burg R.R., 
100 •• Manhattan Railroad, 
1"" " Marq., Houghton A Onton. R.R., 
100 " Western Union Telegraph Co., 
Chicago Gas Company bonds, . 
100 shares Richmond A W.Point Ter.AWh.Co 
Past Tennessee, Va. <S: Georgia R R. bonds, 

shares Pullman Palace Car Company, 
200 shares Cleve , Col., Cm A St Louis RJL, 
Philadelphia A Reading Railroad bonds, 
Tennessee State bonds, .... 
Galveston, Harrisburg A S. AntonioR.R. bonds 
Kentucky Central Railroad bonds, . 
Southern Pacific of New Mexico R.R. bonds 
Southern Pacific of California Railroad bonds 
Louisville, Xew Orleans & Texas R R. bonds 
Galveston, Harrisburg & S. AntonioR.R bonds 
Philadelphia A Reading Railroad bonds, . 
400 shares Central Railroad of Xew Jersey, 
200 shares Missouri Pacific Railroad, 
Philadelphia <£ Reading Railroad bonds, . 
Richmond & W. Pt. Ter. & Wareh. Co. bonds. 



Market value. 

•51,800 00 ^ 

00 

4,600 00 

5,400 00 

2,300 00 [ 

10,000 00 

14,000 00 

28,400 00 

1,90 

11,500 00 ^ 

10,300 00 

11,400 00 

7,900 00 

'0 00 

1.500 00 

00 

1,600 00 

25,800 00 

13,500 00 

'0 00 

18,7' 

1,000 00 

5,200 00 J 

112,200 00 

10,200 00 

2,900 00 

15,200 00 ^ 

10,000 00 

9,2' 

8,300 00 }> 
7,40 

7,600 00 
4,100 00 
93,500 00", 
14,000 00 ! 
5.500 00 j 
7.200 00 j 
46,500 00^ 
25,200 00 > 
55,000 00 ) 
50,500 00^ 
31,500 00 > 
46,500 00 ) 
13,700 00 ^ 
50,000 00 I 
14,200 00 J- 
11,700 00 
33,000 00 , 



Amount loaned. 



■0 00 



J> 100,000 00 



100,000 00 



50,000 00 



100,000 00 



100,000 00 



100,000 00 



100,000 00 



82 



LIFE INSURANCE COMPANIES [Dec. 31, 



New York, L. E. & Western D. & I. Co. bonds, 
Chicago & Alton Railroad bonds, 

Utah Central Railroad bonds, . 
Toledo, Peoria & Western Railroad bonds, 
Atchison, Colorado & Pacific Railroad bonds, 
Burlington & Missouri River Railroad bonds 
Northern Pacific cV Montana Railroad bonds, 
Dakota & Great Southern Railroad bonds, 
Fort Worth & Denver City Railroad bonds, 
100 shares Chicago & Northwestern Railroad, 
100 " Chic, Milwaukee & St. Paul R R., 

40 " Chic., Rock Island & Pacific R R , 
300 " E. Tenn., Va. & Georgia Railroad, 
Grand Rapids & Indiana Railroad bonds, 
150 shares Western Union Telegraph Co., 
100 " Louisville & Nashville Railroad, 
100 " Cleve., Col., Cin. & St. Louis R.R., 

50 " Richmond & W. Pt Ter. & Wh. Co., 
100 " Delaware and Hudson Canal Co., 
100 " Michigan Central Railroad, . 
700 " Missouri Pacific Railroad, 
St. Louis, Iron Mt & Southern Railroad bonds, 
Duluth & Iron Range Railroad bonds, 
500 shares Chicago & Eastern Illinois R.R , 
200 " Chicago, Rock Island & Pacific R R 
170 " Western Union Telegraph Co., 
300 " Chicago & Eastern Illinois R.R , 
Missouri, Kansas & Texas Railroad, 
350 shares Manhattan Railway, 
300 " St Louis, Alton & T. Plaute R.R., 
200 " Bellville & Southern Illinois R R., 
St. Louis, Alton & Terre Haute R.R. bonds, 

50 shares New York & New England R R., 

30 " Missouri Pacific Railroad, 
100 " Toledo & Ohio Central Railroad, 
Denver, Rio Grande & Western R.R. bonds, 
50 shares Western Union Telegraph Co., 
Inion Pacific Railroad bonds, . 
Atchison, Colorado & Pacific Railroad bonds, 
Gulf, Colorado & Santa Fe Railroad bonds, 
200 shares Western Union Telegraph Co., 
100 " Michigan Central Railroad, . 

50 " N. Y. Central & I ludson River R.R., 
Michigan Central Railroad bonds, . 
500 shares ( 'leve , Col., Chi. & St. Louis R.R., 
loo » Rich. cV. W. Pt. Ter. & Wh. Co., 
l(ii) " Oregon Railway and Xav. Co, 
loo " Philadelphia & Reading Railroad, 

55 " N.Y. Central & Hudson River R.R., 



Market value. 

$150,000 00 
6,000 00 ) 
6,000 00 
8,500 00 
4,900 00 
4,400 00 
5,200 00 
6,000 00 
7,200 00 
11,100 00 '} 
6,900 00 
3,800 00 
19,800 00 
2,700 00 
12,400 00 
8,500 00 
7,000 00 
3,800 00 
14,700 00^ 
9,600 00 ' 
49,700 00 , 
54,500 00 j 
50,000 00 ^ 
16,500 00 | 
19,400 00 J> 
14,100 00 
24,000 00 > 
3,100 001 
35,000 00 
34,500 00 
15,000 00 
4,300 00 
2,100 00 
2,100 00 
7,500 00 
14,700 00 
4,100 00 
45,000 00^1 

9,800 00 

37,500 00 

18,600 00 , 

9,600 00 

5,300 00 

4,900 00 J 

35,000 00 1 

7,600 00 I 

10,000 00 [ 

1,900 00 I 

5,800 00 J 



Amount loaned. 

$100,000 00 



100,000 00 



> 100,000 00 



100,000 00 



> ioo;ooo oo 



100,000 00 



50,000 00 



B9.] 



OF OTHER STATES. 



s:; 



450 shar 


- 


.. 




ii 


ioo 


u 




It 




11 




11 




II 




(1 


2 


(1 




M 


100 


II 



«e Western Union Telegraph Co , 
Missouri Pacific Railroad, 
Chicago, R. [aland & Pacific RR, 
Louisville & Nashville Railroad, 
Chicago, Mil. & St. Paul Railroad, 
Michigan Central Railroad, 
Western Union Telegraph Co., 
Louisville A Nashville Railroad, 
Consolidated Gas Company, . 
Cleve.,Col.,Cin.&St Louis R B . 
Chicago & Northwestern Railroad, 
Chicago & Eastern Illinois R.R , 



Market value. Amount loaned. 

137,300 00^1 
56,800 00 j 
19,400 00 \ S 100 ' 000 00 

8,500 00 J 
34,500 00^ 

9,600 00 
16,600 00 
17.000 00 
18,2"i i 00 
14,000 00 

7,000 00 

3,300 00 J 



y 100,000 oo 



f ">,"'." »,545 00 $3,821,562 5u 



Schedule B. 

Stocks and Bonds owned by the Company. 

Cost. Market value. 

United States bonds, $513,472 60 $633,750 00 

Virginia State bonds 1.500 00 3,837 00 

Mississippi State bonds, 10,000 00 10,000 00 

New York city bonds 268,210 50 812,956 00 

N.-w York County bonds, 36,805 00 44,880 00 

Lake shore vV: Michigan Southern R R. bonds, .277 25 250,000 00 

Central Park, North & East River R R. bonds, 115,325 00 118,000 00 

Harlem River & Port Chester Railroad bonds, 102,500 00 110,000 00 

West Shore Railroad first mortgage bonds, . 92,900 00 105,500 00 

Union Pacific Railroad bonds 176,862 63 173,000 00 

Escanaba & Lake Superior Railroad bonds, . 34,800 00 33,450 00 

Albany & Susquehanna Railroad bond- . 59,000 00 61,500 00 

Ohio & Mississippi Railroad bonds, . . . 58,000 00 61,000 00 

.Missouri Pacific Railroad bonds, . . . 111,250 00 109,000 00 

50 shares Bank of Commerce, New York, stock, 4,460 00 9,750 00 

$1,815,362 98 $2,036,623 00 



-METROPOLITAN LIFE INSURANCE COMPANY," NEW YORK,N.Y. 

[Incorporated June, ISoo. Commenced business January, 1367.] 
Paid-up Capital, $1,000,000. 

Joseph F. K>*app, President. John R. Hegemax, Yice-Pres. and Secy. 

Income. 

Total premium income, $8,342,945 31 

Cash received for interest, 341,825 80 

as discount on claims paid in advance, . . 8,801 00 

for rents of company's property, . . . 27,195 64 

for profits on bonds or stocks sold, . . . 4,428 72 



Total income, .... 
Net or ledger assets, Dec. 31, 18S8, . 

Total, 



88,725,196 47 
6,172,159 12 

314,897,355 59 



84 



LIFE INSURANCE COMPANIES [Dec. 31, 



Disbursements. 

( lasb paid for losses and additions, 

Premium notes or loans used in payment of same, 
Cash paid for matured endowments and additions, . 
Premium notes or loans used in payment of same, 

Gross amount paid for losses and endowments, 

< lash paid for surrendered policies, 

Premium notes or loans used in purchase of surrendered 

policies and voided by lapse, ..... 
Cash dividends paid policy-holders, apfriied in payment of 

premiums, 

Premium notes or loans used in payment of dividends, . 

Total paid policy-holders, 

Cash paid for dividends to stockholders, .... 
for commissions to agents, .... 
for salaries and travelling expenses of agents, 
for medical examiner's fees, .... 
for salaries of officers and office employees, . 

for taxes and fees, 

for rent, 

for commuting commissions, .... 

for furniture and office fixtures, 

for incidentals, 

Total disbursements, 



Balance, 

Invested in the following : — 

Assets as per Ledger Accounts. 

Cost value of real estate, 

Loans on mortgages of real estate (first liens), 
Loans on company's policies assigned as collateral, 
Premium notes or loans on policies in force, . 
Cost value of stocks and bonds owned (schedule A), 
(ash in company's office and deposited in bank, 

Ledger assets (as per balance), 

Other Assets 
Interest due and accrued, .... 
Rents due and accrued, .... 
Market value of real estate, over cost, . 
Market value of stocks and bonds, over cost, 
Uncollected premiums on policies in force, 
Deferred premiums on policies in force, . 



Total, 

Deduct loading (25 per cent.),. 

Net ain't of uncollected and deferred prem's, 

Total assets per company's books, . 



£3,042,415 25 
102 52 

2,117 19 
259 81 

§3,045,194 77 
29,256 44 

5,21C 24 

23,922 96 
8,924 19 

§3,107,514 60 

52,500 00 

1,352,421 82 

783,493 91 

73,685 93 

194,136 20 

78,763 77 

38,363 83 

570,602 40 

2,874 97 

195,879 29 

§6,450,236 72 

§8,447,118 87 



§485,028 37 

5,030,240 00 

9,500 00 

120,608 33 
2,574,766 05 

226,976 12 

,8,447,118 87 

94,268 44 

593 00 

8,863 41 

7,196 45 



§16,654 63 
35,916 84 

§52,571 47 
13,142 87 



89,428 60 

18,597,468 77 



1889.1 



OF OTHER STATES. 



Deduct special deposits in other States, 



85 
1117,7 



Balance I 



LlABILITI! 

Computed premium reserve or net present value of all out- 

Btanding policies (actuaries 1 1 per cent.), . 
Policy claims unpaid, ........ 

Unpaid dividends of Burplus »luf policy-holders, 
Due for salaries, rent and office ezpens . 
Premiums paid in advance, 

Liabilities as to policy-holders 

Deduct liabilities on special deposits, .... 



. $6,963,401 
24,666 00 
4,125 29 

9,506 05 
1,62* 

. (7,003,316 87 
97,252 00 



Surplus as regards policy-holder-. . 
Paid-up capital, . 

Surplus over capital, 

liabilities, 



. 81,573,703 90 



£6,906,064 87 



. 1,000,000 00 
.,703 90 

. $8,479,768 77 



Premium Note Account. 

Premium notes on hand Dec. 31, 1888, . . |124,939 37 

Premium notes received during 1889, . . 5,471 72 

Total $130,411 09 

Dsed in payment of losses and claims, . . $662 33 

I in payment of surrendered policies and 

voided by lapse, 5,216 24 

Used in payment of dividends to policy-hold 3,924 19 

Total,' 9,802 70 

Balance note assets, Dec. 31,1889 $120,608 33 

Exhibit of Policies. 
Policies and Additions in force Dec. 31, 18SS. 

dumber. Amount. Total Xo. Total Amount. 

Whole life, . . . 3,238 $3,927,385 00 

Endowment, ... 99 86,063 00 

All other, .... 42 54,329 00 

3,379 $4,067,777 00 



Policies issued and revived during the Year. 

Whole life, ... 183 $227,583 00 

Endowment, ... 58 49,085 00 

All other, .... 1 904 00 

242 



277,572 00 



Total, . 



. 3,621 04,345,349 00 



86 



LIFE INSURANCE COMPANIES [Dec. 31, 



Policies terminated during the Year. 

Number. Amount. Total No. 

Whole life, . . . 276 |384,964 00 
Endowment, ... 23 21,377 00 

All other, . . . . 3 2,416 00 



Total Amount. 



302 $358,757 00 



By death, . 

maturity, 
surrender, . 
lapse, . 

change and decrease, 
Not taken, . 



How terminated. 
78 $84,819-00 



4 

101 

115 

1 

3 



2,377 00 

139,645 00 

127,416 00 

1,000 00 

3,500 00 



302 $358,757 00 



Whole life, 
Endowment, 
All other, . 



Policies in force Dec 32, IS 8 9. 

. 3,145 $3,820,004 00 

134 113,771 00 

40 52,817 00 



Industrial policies in force, 



3,319 $3,986,592 00 



1,849,113 $200,829,929 00 



Schedule A. 

Stocks and Bonds owned by the Company. 

Cost. Market value. 

United States bonds, $343,281 78 $350,750 00 

Peekskill, N.Y., bonds, 25,872 60 34,875 00 

Albany & Susquehanna Railroad bonds, . . 22,710 00 24,500 00 

Baltimore & Ohio Railroad bonds, . . . 54,000 00 54,000 00 

Central Ohio Railroad bonds, .... 102,500 00 102,000 00 

Chicago, St Paul, Minn. & Omaha R.R. bonds, 57,825 00 60,500 00 

Cleveland, Col , Cincinnati & Ind. R.R. bonds, 33,965 00 38,860 00 

Chicago, Milwaukee & St. Paul Railroad bonds, 142,612 50 143,010 00 

Chicago & Eastern Illinois Railroad bonds, . 57,527 50 58,500 00 

Chicago & Indiana Coal Railroad bonds, . 46,218 75 50,750 00 

Chicago & Western Indiana Railroad bonds, . 77,125 00 80,232 50 

Columbus & Toledo Railroad bonds, . . 26,950 00 25,300 00 

Chicago, Burlington & Northern R.R. bonds, . 52,682 50 50,000 00 

Canada Southern Railroad bonds, . . . 107,999 24 108,500 00 

Central Railroad of New Jersey bonds, . . 100,750 00 112,500 00 

Cincinnati, Sandusky & Cleveland R.ll. bonds, 25,375 00 26,250 00 

( Ihicago, Rock Island & Pacific Railroad bonds, 26,968 75 26,750 00 

Delaware and Hudson Canal Company bonds, 18,720 00 18,080 00 

Detroit. Bay City & Alpena Railroad bonds, . 52,968 75 52,000 00 

Duluth & Iron Range Railroad bonds, . . 28,364 16 31,000 00 

Fremont, Elkhorn & Missouri Val. R.R. bonds, 77,229 37 77,440 00 



1889. 



OF OTHER STATES. 



87 



Hannibal & St. Joseph Railroad bonds, . 

Louisville. New Albany & Chicago U.K. bonds, 

Lake Erie a.- Western Railroad bonds, 

Michigan Central Railroad bonds, . 
Morgan's La and Tex. R.R. and S.S. Co. bonds 
Missouri Pacific Railroad bonds, 
Milwaukee. Lake Shore & Western R.R. bonds 
Mobile & Girard Railroad bonds, 
Minneapolis & St. Louis Railroad bond-, 
Northern Illinois Railroad bonds, . 
Northern Pacific Railroad bonds, 
St. Joseph & Grand [sland Railroad bonds, 
St Paul & Northern Pacific Railroad bonds, 
Third Avenue, New York City, R.R. bonds, 
Toledo, Ann Arbor & Grand Trunk R R. bonds 
Terre Haute & Indianapolis Railroad bonds, 
Western New York & Pa. Railroad bond-. 
Wabash Railroad bonds, . 
Western Transit Company bonds, . 



Cost. 

330,386 25 
60,270 00 
55,438 07 
98,000 00 
26,750 00 
56,312 50 
30,093 75 
45,000 00 
20,500 00 
26,750 00 
55,225 00 
52,781 25 
58,692 50 

166,125 00 
26,437 50 
25,625 00 
55,000 00 

153,208 33 
41,525 00 



Market value. 

$29,875 00 
65,730 00 
56,500 00 
98,000 00 
28,500 00 
54,500 00 
30,750 00 
47,500 00 
18,750 00 
27,250 00 
55,225 00 
52,000 00 
60,500 00 

168,750 00 
27,500 00 
26,250 00 
14,785 00 

153,000 00 
40,800 00 



S2..->74,766 05 $2,581,962 50 



"THE MUTUAL LIFE INSURANCE COMPANY OF NEW YORK," 

NEW YORK, N. Y. 



[Incorporated April, 1842. Commenced business Feb. 1, 1843.] 

Richard A. McCurdy, Presidoit. William J. Easton, Secretary. 



Income. 

New premiums without deductions, 

Renewal premiums, 

Cash received for annuities, 

Total premium income, ...... 

Cash received for interest, 

for rents of company's property, 
for profits on bonds or stocks sold, . 

Total income, 

Net or ledger assets, Dec. 31, 1888, . . 8116,577,993 67 
Premiums on securities, being difference be- 
tween book and par values, .... 3,377,063 67 



. £8,329,759 71 

. 14,933,689 65 

464,409 34 

$23,727,858 70 

. 5,707,309 62 

416,749 91 

. 1,267,101 39 

§31,119,019 62 



-119,955,057 34 



Total, 



$151,074,076 96 



88 



LIFE INSURANCE COMPANIES [Dec. 31 



Disbursements. 

Cash paid for losses and additions, 

Cash paid for matured endowments and additions,. 

Gross amount paid for losses and endowments, 

Cash paid to annuitants, 

Cash paid for surrendered policies and additions, . 
Cash dividends paid policy-holders applied in payment 
premiums, 

Total paid policy-holders, 

Cash paid for commissions to agents, .... 

for salaries and expenses of law department, 
for medical examiner's fees and salaries, 
for salaries of officers and office employees, . 

for taxes and fees, 

for rent, 

for advertising, 

for incidentals, . . . . « . 

Total disbursements, 



17,679,151 10 

1,895,679 15 



of 



$9,574,830 25 

82,804 98 

3,254,036 28 

2,288,876 87 



$15,200,608 38 
4,220,600 31 
127,820 05 
263,254 51 
392,068 91 
331,132 18 
121,890 32 
125,528 98 
846,598 97 



$21,629,502 61 



Balance, 



$129,444,574 35 



Invested in the following : — 

Assets as per Ledger Accounts 

Value of real estate, 

Loans on mortgage of real estate (first liens), 
Loans on collateral security (schedule A), 
Book value of stocks and bonds owned (schedule B), 
Cash in company's office and in bank, 

Miscellaneous investments, 

Agents 1 ledger balances, 

Suspense account, 



$12,382,623 41 

56,979,289 72 

9,845,500 00 

47,015,519 81 

2,988,632 79 

46,342 29 

13,567 01 

173,099 32 



Ledger assets (as per balance) , 



$129,444,574 35 



Other Assets. 

Interest due and accrued, 

Rents due and accrued, 

Market value of stocks and bonds, over book value, 
Uncollected premiums on policies in force, . $921,668 24 
Deferred premiums on policies in force, . . 1,727,232 79 



Total, $2,648,901 03 

Deduct loading (20 per cent), . . . . 529,780 21 
Nel am't of uncollected and deferred prem's, . 



$921,924 24 

77,978 40 

3,307,950 00 



2,119,120 82 



Total assets per company's books, 



$135,871,547 81 



L889.] 



OF OTHER STATES. 

Items not admitted. 



89 



Agents 1 balances, 
Suspense account, 
Miscellaneous investments, 
Total 

Total admitted assets, 
Deduct special deposits in other States, 

Balance, 



$13,567 01 

173,099 32 

40,342 29 



$233,008 62 



$135,638,539 19 
. 1,011,646 00 

$134,626,893 19 



Liabilities. 

Computed premium reserve or net present value of all out- 
standing policies (actuaries 1 4 per cent.), 

I teath losses and matured endowments in proc 
ess of adjustment,' . 

Claim- resisted by the company, 
Total policy claims, . 

Premiums paid in advance, 

Liability under non-forfeiture clause, 



$125,719,378 00 



Liabilities as to jDoliey-holders, . 
Deduct liabilities on special deposits, 

Surplus as regards policy-holders, . 
Gross liabilities,. 



8105,700 05 
68,264 00 



263,964 05 
41,854 53 

77,868 00 

$126,103,064 58 
965,921 00 



6125,137,143 58 
. 9,489,749 61 

$134,626,893 19 



Exhibit of Policies. 
Policies and Additions in force Dec. 31, 1888. 

Number. Amount. Total No. Total Amount. 

Whole life, . . . 125,176 $371,637,551 00 
Endowment, . . . 33,000 83,839,995 00 
All other, .... 14 7,700 00 

Reversionarv additions, . - 26,565,333 00 

158,190 $482,050,579 00 



Whole life, 
Endowment, 
All other, . 



Policies issued during the Year. 



34,408 $114,369,617 00 

7,467 23,368,394 00 

5 44,325 00 



41,880 137,782,336 00 



Whole life, 
Endowment, 
All other, . 



Old Policies revived. 

2,162 $6,691,770 00 

402 984,100 00 

1 1,000 00 



2,565 7,676,870 00 



90 



LIFE INSURANCE COMPANIES [Dec. 31, 



Whole lite. 

Endowment, 

AH other, . 

Additions by dividends, 
Total, . 



Okl Policies changed. 

Number. Amount. 

G3 $2,111,21!) 00 

26 677,023 00 

51,953 00 



Total No. 



89 



Total Amount. 



$2,840,195 00 
3,662,062 00 



202,724 §634,012,642 00 



Policies terminated during the Year. 

Whole life, . . . 16,179 $52,323,1-47 00 
Endowment, . . . 4,528 12,031,230 00 
All other, .... 3 3,818,878 00 





20,710 


$68,173,255 00 




How terminated. 


By death, . 


2,217 


$7,604,216 00 


maturity, 


829 


1,882,366 00 


expiry, . 


9 


28,000 00 


surrender, . 


2,459 


9,514,813 00 


lapse, . 


7,972 


20,995,423 00 


change and decrease, . 


88 


1,505,800 00 


Not taken, . 


7,136 


26,642,637 00 



20,710 68,173,255 00 



Policies in force Dec. 31, 1889- 



Whole life, 
Endowment, 
All other, . 
Reversionary additions, 



145,630 $442,487,010 00 

36,367 96,838,282 00 

17 101,978 00 

- 26,412,117 00 



182,014 $565,839,387 00 



Schedule A. 

Securities held as Collateral. 



Georgia Railroad and Banking Co. stock, 

First National Bank stock, 

Pullman Palace Car Company stock, 

St. Louis, Iron Mt. & Southern R.R. bonds, 

Missouri Pacific Railroad bonds, 

Columbus, Hocking Val.& Toledo R.R. bonds 

Tennessee coal, iron and railroad bonds, . 

North Hudson Railroad stock, . 

Delaware, Lackawanna & Western R.R. stock, 

Cleve., Cin., Chicago & St. Louis R.R. stock, 

Canada Southern Railroad bonds, 

Central Railroad Of New .Jersey bonds, . 

( 'in., Ind., st. Louis & ( ihicago R.R bonds, 



Market value. 

$20,400 00 
600,000 00 
46,750 00 > 
33,440 00 
25,100 00 \ 
10,640 00 J 
5,000 00 J 
100,125 00 
13,500 00 \ 
9,800 00 I 
10,800 00 \ 
20,160 00 
6,000 00 



Amount loaned. 

$15,000 00 
300,000 00 



100,000 00 
50,000 00 
50,000 00 



1889.] 



OF OTHER STATES. 



91 



Chicago & Northwestern Railroad stock,. 
S1 Paul, Minneapolis & .Manitoba R.R stock, 
Chicago, Rock Island & Pacific R.R. stock, 
Cleve., (Mn., Chicago & St. Louis R.R. stock, 
Chicago, Hock Island & Pacific R.R. stock, 
Tol., Ann Arbor & Grand Trunk R.R. bonds, 
Central Railroad of New Jersey bonds, . 
Cleveland, Columbus, Cin. & Ind. R R. bonds 
Chicago & Northwestern Railroad bonds, 
Lake Shore & Michigan Southern R.R. bonds 
New York, Chicago & St. Louis R.R. bonds, 
Chicago, Milwaukee & St. Paul R.R. stock, 
Chicago, Milwaukee & St. Paul R.R. stock, 
Metropolitan Elevated Railroad bonds, . 
Silver Springs & Gulf Railroad bonds, . 
St. Paul & Duluth Railroad bonds, . 
Chicago, St. Louis & Padncah Railroad bonds 
Cleve , Cin., Chicago & St. Louis R.R. stock, 
Lake Shore & Michigan Southern R.R. stock, 
Consolidated Gas Company stock, . 
Lake Shore & Michigan Southern R.R. stock, 
Cleve., Cin., Chicago & St. Louis R.R. stock, 
Chicago, Burlington & Quincy Railroad stock 
Lake Shore & Michigan Southern R.R. stock, 
Georgia Pacific Railroad bonds, 
Western Alabama Railroad bonds, . 
Wabash Railroad bonds, .... 
Savannah, Ga., bonds, .... 
Chicago & Northwestern Railroad stock, 
Chicago, Rock Island & Pacific Railroad bonds 
Chicago & Northwestern Railroad stock, 
Texas & Pacific Railroad bonds, 
Louisville & Nashville Railroad bonds, . 
Pittsburg & Western Railroad bonds, 
Richmond & Danville Railroad bonds, 
Evansville & Indianapolis Railroad bonds, 
Evansville & Richmond Railroad bonds, . 
Central Pacific Railroad bonds, 
Chicago & Northwestern Railroad bonds, 
Chesapeake & Ohio Railroad bonds, 
Canada Southern Railroad bonds, . 
Delaware and Hudson Canal Company stock, 
New York Central & Hudson River R.R. stock, 
Delaware, Lackawanna & Western R.R. stock, 
Evansville & Terre Haute Railroad stock, 
Richmond & West Point Terminal R.R. stock, 
Syracuse, Binghamton & N. Y. Railroad bonds, 
Virginia Midland Railroad bonds, . 



Market value. 

$111,000 00 

33,600 00 

9,700 00 

15,680 00 

9,700 00 

7,700 00 

10,400 00 

5,200 00 

1,250 00 

1,270 00 

9,400 00 ^ 

307,800 00 

45,600 00 

17,250 00 

37,500 00 

10,200 00 

18,000 00 

39,200 00 

20,800 00 

9,100 00 



Amount loaned. 



|125,000 00 



y 50,000 oo 



250,000 00 
50,000 00 

30,000 00 
19,000 00 

50,000 00 



20,800 00 

19,600 00 

10,600 00 J 

31,200 00] 

22,400 00 I 

4,200 00 \ 

24,240 00 | 

8,400 00 J 

111,000 00? 

10,700 00 I 

28,200 00 \ 

22,500 00 > 

11,300 00 ) 

4,200 00 ) 

4,950 00 S 

435,600 00 ) 

21,600 00 S 

88,880 00 

5,500 00^ 

5,800 00 > 

5,400 00 ) 

14,700 00^ 

21,200 00 

20,250 00 

28,800 00 } 

15,400 00 

5,280 00 

17,000 00 J 



} 50,000 00 



75,000 00 

100,000 00 

50,000 00 

6,500 00 

350,000 00 
70,000 00 

10,000 00 



100,000 00 



92 



LIFE INSURANCE COMPANIES [Dec. 31, 



Central Railroad of New Jersey bonds, . 

Delaware and Hudson (anal Company stock, 

Delaware. Lackawanna vy. Western R.R. stock 

Evansville & Terre Haute Railroad r-tock, 

Canadian Pacific Railroad stock, 

Canada Southern Railroad stock, 

Richmond & West Point Terminal U.K. stock 

Illinois Central Railroad bonds, 

Georgia Pacific Railroad bonds, 

Georgia Railroad and Banking Company stock 

Atlantic Trust Company stock, . 

42(1 Street & ( J rand Street Ferry Railroad stock 

Illinois Central Railroad stock, 

Cleveland, Gin., Chicago & St. Lonis R.R. stock 

Chesapeake & Ohio Railroad bonds, 

Delaware, Lackawanna & Western R.R. stock 

Illinois Central Railroad stock, 

Chicago, St. Paul, Minn. & Omaha R.R. stock 

Chicago & Northwestern Railroad stock, 

Savannah & Western Railroad bonds, 

Texas Pacific Railroad bonds, . 

Chesapeake, Ohio & Southwestern R.R. bonds 

Southwestern Railroad of Georgia stock, 

Kentucky Central Railroad bonds, . 

Southern Pacific R.R. of New Mexico bonds, 

Central Pacific Railroad bonds, 

Southern Pacific R.R. of New Mexico bonds, 

Kentucky Central Railroad bonds, . 

Central Pacific Railroad bonds, 

Louisville, New Orleans & Texas R.R. bonds, 

Southern Pacific R.R. of New Mexico bonds, 

Kentucky Central Railroad bonds, . 

Tennessee Coal and Iron Company bonds, 

Georgia Pacific Railroad bonds, 

Nashville, Chattanooga & St. Louis R.R. bonds 

Louisville & Nashville Railroad bonds, . 

Georgia Pacific Railroad bonds, 

Tennessee Coal and Iron Company bonds, 

Richmond & West Point Terminal R.R. bonds 

Nashville, Chattanooga & St. Louis R.R. bonds 

Georgia Pacific Railroad bonds, 

Louisville & Nashville Railroad bonds, . 

Virginia Midland Railroad bonds, . 

Tennessee Coal and Iron Company bonds, 

Savannah & Western Railroad bonds, 

New York, Lake Erie & Western R R bonds 

New York, Lackawanna vV Western \l.\l bonds 

New York Central & Hudson River \i.\i. bonds 



Market value. 

$336,000 00 
14,700 00 ^ 
20,250 00 
28,800 00 

11,250 00 \ 

5,400 00 " 

15,400 00 

25,000 00 

67,800 00 

20,400 00 

10,000 00 

45,800 00 

58,500 00 

9,800 00 

3,000 00 

54,000 001 

11,700 CO 

9,600 00 

11,100 00 > 

23,760 00 

900 00 

11,000 00 ; 

312,000 00 

84,000 00} 

440,000 00 > 

204,000 00^ 

330,000 00} 

84,000 00 > 

306,000 00' 

120,000 00} 

330,000 00 ? 

252,000 00' 

49,250 00 1 

40,950 00 i 

25,600 00 [ 

10,500 00 J 

56,500 00 ) 

98,500 00 ' 

59,290 00 

28,000 00 j 

115,800 00] 

52,500 00 " 

34,000 00 

48,500 00 j 

118,800 00 

27,400 00 n 

20,250 00 > 

13,200 00 ) 



Amount loaned. 

$250,000 00 



100,000 00 



50,000 00 

15,000 00 

7,500 00 

32,000 00 

60,000 00 



100,000 00 

250,000 00 
500,000 00 

500,000 00 

500,000 00 

100,000 00 
j> 200,000 00 



[ 200,000 00 



100,000 00 
50,000 00 



1889.] 



OF OTHER STATES. 



93 



Missouri Pacific Railroad stock, 
Delaware and Hudson Canal Company stock, 
Milwaukee, Lake shore St Western R.R. stock 
Chicago, Rock Island & Pacific R.R. stock, 
New York, New Haven & Hartford R.R. stock- 
New York, Providence & Boston R.R. stock, 
Milwaukee, Lake shore & Western R.R. bonds 
Lehigh & Wilkesbarre Railroad bonds, . 
Delaware and Hudson Canal Company stock, 
New York, Providence & Boston R. R. stock, 
New York. New Haven & Hartford R.R. stock 
Illinois Central Railroad stock, 
Gulf, Colorado & Santa Fe Railroad stock, 
New York, Providence & Boston R.R. stock, 
Delaware and Hudson Canal Company stock, 
Missouri Pacific Railroad -took, 
Delaware. Lackawanna & Western R.R. stock 
Chicago & Northwestern Railroad stock, 
Delaware, Lackawanna & Western R.R. stock 
Chicago, Burlington & Quincy R.R. stock, 
Lake Shore & Michigan Southern R.R. stock. 
Chicago, Milwaukee & St. Paul R.R. stock, 
Chicago, Milwaukee & St. Paul R.R. stock, 
Consolidated Gas Company stock, . 
Cleveland, Cin , Chicago & St. Louis R.R. stock 
Pacific Railroad of Missouri bonds, . 
Kansas Pacific Railroad bonds, 
Warren Railroad bonds, .... 
New York, Lake Erie & Western R.R. bonds 
Metropolitan Elevated Railroad bonds, . 
Pennsylvania Railroad bonds, . 
St. Paul, Minneapolis & Manitoba R.R. bonds 
Milwaukee, Lake Shore & Western R.R. bonds 
Cleveland, Columbus, Cin & Ind. R.R. bonds 
Pacific Railroad of Missouri bonds, . 
Lake Shore & Michigan Southern R.R. bonds 
Morris & Essex Railroad bonds, 
Chicago, Milwaukee & St. Paul R.R. bonds, 
Pacific Railroad of Missouri bonds, . 
Chicago, St. Louis & New Orleans R.R. bonds 
Delaware and Hudson Canal Company bonds 
Canada Southern Railroad bonds, . 
Northern Illinois Railroad bonds, . 
Lake Shore & Michigan Southern R.R. bonds 
United N. J. R.R. and Canal Co bonds, . 
Morris & Essex Railroad bonds, 
Chicago, Burlington & Quincy Railroad bonds 
New York, Lake Erie & Western R.R. bonds, 



Market value 

$14,200 00 ) 
80,850 00 
34,200 00 
19,400 00 

2,450 00 
67,600 00 
15,700 00 
11,400 00 J 
29,400 00) 

7,800 00 | 
12,250 00 )> 

5,850 00 

7,400 00 J 
46,800 00) 
20,400 00 



Amount loaned. 



> $200,000 00 



50,000 00 



}> 100,000 00 



7,100 oof 100,00000 

1".;,00 00 j 

28,200 00 

1)5,500 00 

12,830 00 |> 100,000 00 

31,250 00 | 

36,750 00 J 

22,800 00^ 

4,550 00 
19,600 00 
55,620 00 

2,280 00 
18,200 00 J 
95,900 00 

5,750 00 

5,500 00 

5,900 00 

6,150 00 

1,190 00J 
27,810 00 n 

6,250 00 i 50,000 00 
28,000 00 ) 
31,750 00) 
15,450 00 

5,700 00 

4,200 00 \ 50,000 00 

2,160 00 

1,060 00 

1,250 00 ) 
35,700 00) 
16,800 00 [ 

5,200 00^ 50 ' 00000 

2,740 00 j 



} 100,000 00 



94 



LIFE INSURANCE COMPANIES [Dec. 31, 



Chicago vV Northwestern Railroad stock, 

Chesapeake & Ohio Railroad bonds, 

Canada Southern Railroad bonds, 

Fort Worth & Denver City Railroad bonds, 

Cleveland, Cin., Chicago & St Louis R.R stock 

Escanaba & Lake Superior Railroad bonds, 

Detroit, Monroe & Toledo Railroad bonds, 

Tennessee Coal and Iron Railroad bonds, 

Cleveland, Cin., Chicago &St Louis R.R. stock 

Canada Southern Railroad stock, 

Oregon & Transcontinental Railroad bonds, 

Mutual Union Railroad bonds, . 

Michigan Central Railroad stock, 

New York Central & Hudson River R.R. stock 

Canada Southern Railroad stock, 

Chicago, Rock Island & Pacific R.R. stock, 

Rome, Watertown & Ogdensburg R.R. stock, 

Delaware, Lackawanna & Western R.R. stock 

Cleveland, Cin., Chicago & St. Louis R R. stock 

Lake Shore & Michigan Southern R R. bonds 

Chicago, Rock Island & Pacific R.R. stock, 

Consolidated Gas Company stock, . 

Cleveland, Cin., Chicago & St. Louis R R. stock 

Missouri Pacific Railroad stock, 

Delaware, Lackawanna & Western R R. stock 

Canada Southern Railroad stock, 

Chicago & Northwestern Railroad stock, 

Union Pacific Railroad stock, . 

St. Louis, Alton & Terre Haute R.R. stock, 

West Shore Railroad bonds, 

Cleveland, Cin., Chicago & St. Louis R.R. stock 

Delaware, Lackawanna & Western R.R. stock 

Missouri Pacific Railroad stock, 

Oregon Transcontinental Railroad stock, 

Chicago, Rock Island & Pacific Railroad stock 

Canada Southern Railroad stock, 

Evansville & Terre Haute Railroad stock, 

Memphis & Charleston Railroad stock, . 

Kaw Township, Mo., stock, 

Baker Township, Kan., stock, . 

Coffey Township, Kan., stock, . 

Roseville Township, 111 , stock, 

Ottawa County, Kan., stock, 

Sheridan Township stock, 

( Laid County, Kan., stock, 

Delaware, Lackawanna & Western RR. stock 

Delaware and Hudson Canal Company stock, 

Chicago, Milwaukee & St. Paul R.R. bonds, 



Market value. 

$44,400 00 ^ 
5,000 00 | 



Amount loaned. 



5,400 00 
10,400 00 J 
31,360 00^ 
11,100 00 



} ?50,000 00 



13,000 00 
4,000 00 j 

29,400 00^ 
5,400 00 } 



!> 50,000 00 



10,300 00 



!> 50,000 00 



14,280 00 J 
9,400 00^ 
10,600 00 
5,400 00 j 
9,700 00 j> 
10,000 00 
13,500 00 
2,450 00 J 
125,000 00 
9,700 00^ 
9,100 00 
9,800 00 
14,200 00 
13,500 00 }. 
5,400 00 
1,420 00 
1,150 00 
1,100 00 ) 
63,000 00 
39,200 00^ 



13,500 00 1 



7,100 00 

2,060 00 J 

29,100 00^ 

16,200 00 I 

9,600 00 f 

14,640 00 j 

2,000 001 

1,000 00 

1,100 00 

1,000 00 I 

5,750 00 

2,700 00 

2,300 00 

27,000 00 

73,500 00 

19,200 00 



50,000 00 



100,000 00 



50,000 00 



50,000 00 
50,000 00 

50,000 00 



13,000 00 



100,000 00 



1889.] 



OF OTHER STATES. 



95 



Cloud County, Kan., stock, 
Jackson County, Mo , stock, 
Coffey County, Kan., stock, 
Ottawa County, Kan., stock, 
Wilson County, Kan., stock, 
Louisville & Nashville Railroad stock, 
Boston, Hoosac Tunnel & Western R.R. stock 
Richmond & Danville Railroad stock, 
Oregon short Line Railroad stock, . 
Texas & Pacific Railroad stock, 
Texas & Pacific Railroad stock, 
Cleveland, Cin., Chicago & St. Louis R.R. stock 
Michigan Central Railroad stock, 
Delaware, Lackawanna & Western R.R. Stock 
Delaware and Hudson Canal Company stock, 
Northern Pacific & Montana Railroad bonds, 
Consolidated Gas Company stock, . 
Toledo, Peoria & Western Railroad bonds, 
Savannah & Western Railroad bonds, 
Delaware and Hudson Canal Company bonds 
Toledo, Peoria & Western Railroad bonds, 
Texas & Pacific Railroad bonds, 
Tennessee State bonds, .... 
Chicago, Milwaukee & St Paul R.R. bonds, 
Chicago, Burlington & Quincy R.R. bonds, 
Providence & Stonington Steamboat Co bonds 
Delaware and Hudson Canal Company stock 
Lake Shore & Michigan Southern R.R. stock 
Chicago and Northwestern Railroad stock, 
Oregon Railway and Navigation Co. stock, 
Northern Pacific Railroad bonds, 
Brooklyn Trust Company stock, 
Central Trust Company stock, 
New York Life Insurance and Trust Co. stock 
United States Trust Company stock, 
Mercantile Trust Company stock, . 
Fulton Municipal Gas Company stock, . 
New York Guaranty and Indemnity Co. stock 
Continental Fire Insurance Company stock, 
Delaware and Hudson Canal Company stock 
Michigan Central Railroad stock, . 
Northern Pacific Railroad bonds, 
Cairo, Arkansas & Texas Railroad bonds, 
Chicago, Rock Island & Pacific Railroad stock 
Chicago, Burlington & Quincy Railroad stock 
Chicago & Northwestern Railroad stock, 
New York Central & Hudson River R.R. stock 
Lake Shore & Michigan Southern R.R. bonds 



Market value. 

$2,300 001 

2,200 00 I 

1,100 00 [ 

2,300 00 

1,100 00, 

11,300 00 1 

17,640 00 ! 

11,900 00 j 

ll,4g0 00 J 

9,000 00 

19,800 00 

29,400 00 1 

37,600 00 

20,250 00 

44,100 00 

52,000 00 J 

27,300 00 

31,200 00 

19,800 00 

10,300 00 

19,500 00 1 

10,800 00 

8,140 00 

19,740 00 | 

3,760 00 j 

589,570 00 

58,800 00^ 

10,400 00 | 

11*,100 00 J. 

19,800 00 | 

22,000 00 J 

76,000 001 

270,000 00 

27,520 00 

9,490 00 

6,250 00 

6,000 00 

8,500 00 

4,400 00 

58,800 001 



Amount loaned. 

$7,500 00 

40,000 00 

7,500 00 
16,000 00 

150,000 00 

10,000 00 
50,000 00 

50,000 00 
400,000 00 
100,000 00 



> 260,000 00 



28,200 00 



33,000 00 ( 
2,040 00 j 
9,700 00^ 
31,800 00 I 
11,100 00 \ 
1C,600 00 j 
12,700 00 J 



y 100,000 oo 



50,000 00 



96 



LIFE INSURANCE COMPANIES [Dec. 31, 



Chicago, Rock Island & Pacific Railroad stock 
Central Trusl Company bonds, 

Fanners" Loan and Trust Company stock, 
Bank of Minnesota, St. Paul, stock, 
Georgia Railroad and Banking Co. stock, 
Savannah, Florida & Western Railroad bonds 
Tennessee Coal and Iron Company bonds, 
Long Island Railroad stock, 
Delaware and Iluds/m Canal Company stock 
Chicago. Burlington & Quincy Railroad bonds 
Brooklyn city bonds, .... 

( anada Southern Railroad bonds, . 
Lehigh cV Wilkesbarre Railroad bonds, . 
Iowa Midland Railroad bonds, 
Chicago & Northwestern Railroad bonds, 
Bank of New York stock, 
Chicago, Burlington & Quincy Railroad stock 
Oregon Railway and Navigation Co. bonds, 
Wabash Railroad bonds, .... 
Texas Pacific Railroad bonds, . 
Mobile & Ohio Railroad bonds, 
Evansville & Indianapolis Railroad bonds, 
Wabash Railroad bonds, .... 
Beech Creek Railroad bonds, . 
Wabash Railroad bonds, .... 
New York, Lake Erie. & Western R R. bonds 
Duluth & Iron Ridge Railroad bonds, 
Pittsburg & Western Railroad bonds, . . 
New York, Lake Erie & Western R R. bonds 
Elmira & Horseheads Railroad bonds, . 
Chicago, Milwaukee & St. Paul R.R stock, 
Kansas Pacific Railroad bonds, 
Chicago, Milwaukee & St. Paul R.R. stock, 
Kansas Pacific Railroad bonds, 
Chicago, Burlington & Quincy Railroad stock 
Chicago. Milwaukee & St. Paul Railroad stock 
Fort Worth & Denver City Railroad bonds, 
Chicago, Milwaukee & St. Paul Railroad bonds 

© 7 

Atlantic & Pacific Railroad bonds, . 

Milwaukee, Lake Shore & Western R.R. bonds 

( IhicaffO, Rock Island & Pacific Railroad bonds 

St. Paul & Duluth Railroad bonds, . 

Utah Southern Railroad bonds, 

Chicago, Milwaukee & St Paul R R. bonds, 

United Railroad of New Jersey stock, . 

Mutual Union Railroad bonds, 

New Jersey & Atlantic Railroad stock, . 

Toledo, Peoria & Western Railroad bonds, 

Wabash Railroad bonds, .... 



Market value. 

|67 f 900 00 

180,000 00 

64,000 00 

7,000 00 

149,940 00 

390,000 00 

57,230 00 

22,250 00} 

14,700 00 

5,200 00 
22,400 00 

7,560 00 
'13,680 00 
11,340 00 
11,250 00 

6,000 00} 
10,600 00 
11,200 00 

8,300 00 
900 00 
23,000 00 J 
66,000 00 
73,730 00 ) 
17,800 00 S 
25,250 00} 
50,500 00 ' 
35,000 00 ( 
12,600 00 j 
60,600 00 
100,000 00 
119,700 00 ) 

2,280 00 S 
119J00 00 ] 

2,280 00 ! 
42,400 00} 
• 79,800 00 
52,000 00 

4,560 00 
14,800 00 
10,200 00 

9,700 00 

8,300 00 

4,600 00 
19,200 00 

6,075 00 
10,200 00 

9,000 00 

7,800 00 

6,060 00 



Amount loaned. 

§50,000 00 

105,000 00 

10,000 00 

5,500 00 

82,000 00 

300,000 00 

48,000 00 



> 75,000 00 



50,000 00 

50,000 00 
75,000 00 

j. 100,000 00 

50,000 00 
80,000 00 

100,000 00 
100,000 00 



} 200,000 00 



10,000 00 

6,000 00 

10,000 00 



1889.] 



OF OTHER STATES. 



97 



Fort Worth & Denver City Railroad bonds, 
Pittsburg, Painesville & Pairpoii R.R. bonds 
San Francisco, Oakland & Alameda \l II. bonds 
Delaware and Hudson Canal Company stock, 
Wabash Railroad bonds, .... 
St. Paul, Minneapolis & Manitoba R R. bonds 
Delaware and Hudson Canal Company stock 
Consolidated Gas Company stock, . 
Michigan Central Railroad bonds, . 
Kansas Pacific Railroad bonds, 
St. Louis Ov: San Francisco Railroad bonds, 
Northern Pacific Railroad bonds, 
( Ihicago, Milwaukee & St. Paul Railroad bonds 
St. Paul, Minneapolis & Manitoba R.R. stock, 
Lake Shore & Michigan Southern 11. R. stock, 
Michigan Central Railroad stock, . 
Union Railway of St. Joseph bonds, 
Pittsburg, Painesville & Fairport R.R. bonds 
Columbus Consolidated Railroad bonds, . 
Columbus Consolidated Street Railway bonds 
Union Railway of St. Joseph bonds, 
Pullman Palace Car Company stock, 
Chicago & Northwestern Railroad stock, 
Lake Shore & Michigan Southern R.R. stock 
Lake Shore & Michigan Southern R.R. stock 
Chicago, Rock Island & Pacific Railroad stock 
Pullman Palace Car Company stock, 
Pennsylvania Railroad stock, . 
Rank of New York stock, .... 
Union Trust Company stock, . 
Pennsylvania Railroad stock, . 
Louisville, New Orleans & Texas R.R. bonds 
Memphis & Charleston Railroad bonds, . 
East Tennessee, Virginia & Georgia R.R. bonds 
Pacific Railroad of Missouri bonds, 
Long Dock Company bonds, . 
Chicago & Northwestern Railroad bonds, 
Evansville & Terre Haute Railroad bonds, 
St. Joseph & Grand Island Railroad bonds, 
Metropolitan Elevated Railroad bonds, . 
Chicago & Northwestern Railroad bonds, 
Central Railroad of New Jersey bonds, . 
Norfolk & Western Railroad bonds, 



Market value. 

$26,000 00 ? 
47,500 00 ) 
25,000 00 
58,800 00*) 
1,010 00 | 
1,010 00 J 
1-1,700 00^ 
14,014 00 
21,250 00 
3,420 00 )■ 
3,030 00 
2,160 00 
1,190 00 J 
11,200 00 \ 
5,200 00 
18,800 00 
38,000 00 
38,000 00 
10,400 00 J 
104,000 00 ) 
28,500 00 S 
18,700 00 ^ 
22,200 00 i 
20,800 00 ) 
10,400 00 n 
19,400 00 i 
37,400 00 ) 
77,062 00 n 
24,000 00 i 
32,000 00 ) 
5,300 00^ 
80,000 00 I 

61,000 oo r 

8,720 00 j 
19,600 00^ 
10,800 00 | 
10,700 00 y 
11,800 00 j 
10,400 00 J 
23,000 00^ 
16,050 00 ' 



Amount loaned. 

$50,000 00 
20,000 00 

50,000 00 



12,000 00 



50,000 00 



)> 100,000 00 

100,000 00 
50,000 00 

50,000 00 

100,000 00 

100,000 00 
50,000 00 



y 50,000 00 



11,300 00 j 



$13,262,816 00 $9,845,500 00 



98 



LIFE INSURANCE COMPANIES [Dec. 31, 



Schedule B. 
Slocks and Bonds owned by 



United States bonds, 
British consols, . 
Victorian government stock, 
State of Georgia. 
State of Mississippi deposit, 
state of Tennessee, . 
Atchison County, Kan., 
Butler County, O., 
Douglas County, Neb , 
Franklin Count}*, Ky., 
Franklin County, O., 
Hamilton County, Tenn., 
Hancock County, O., . 
Hennepin County, Minn., 
Hudson County, N. J., 
Kent County, Mich , 
Lucas County, O., 
Marion County, Ind , 
Owen County, Ky., . 
Ramsey County, Minn , 
Richland County, Wis., 
Shawnee County, Kan., 
Sedgwick County, Kan., 
Woodbury County, la , 
Augusta, Ga., 
Atlanta, Ga., 
Boston, Mass., . 
Council Bluffs, la., 
Columbus, O., . 
Duluth, Minn., . 
Des Moines, la., 
Evansville, Ind., 
Elizabeth, N. J., 
Guelph, Ont., . 
Galveston, Tex., 
Hyde Park, 111., 
Jackson, Mich., 
Joliet, 111., 
Jersey City, N. J., 
Kansas City, Kan., 
Lake, 111., . 
Lincoln, Neb., . 
Minneapolis, Minn., 
.Memphis, Tenn., 
Newark, N. J., . 



the Company. 

Book value. 

$762,496 00 

99,422 81 

24,250 00 

1,039,400 00 

20,000 00 

295,600 00 

126,655 00 

75,993 00 

60,059 00 

62,725 00 

145,867 00 

208,760 00 

32,017 00 

201,900 00 

312,750 00 

152,310 00 

40,988 00 

40,132 00 

100,000 00 

305,345 00 

25,203 00 

31,950 00 

258.255 00 
125,000 00 

15,702 00 

92,229 00 

431,200 00 

40,196 00 

50,245 00 

52,065 00 

33,806 00 

453,680 00 

312,334 00 

102,949 00 

323,693 00 

53,925 00 

67,977 00 

51,645 00 

526,410 00 

105,437 00 

101,330 00 

99,700 00 

209,300 00 

99,918 00 

284.256 00 



Market value. 

$806,400 00 

99,422 81 

24,250 00 

1,122,400 00 

20,000 00 

292,000 00 

127,076 00 

77,804 00 

61,486 00 

64,405 00 

148,341 00 

211,500 00 

32,599 00 

209,740 00 

347,220 00 

160,215 00 

41,008 00 

40,440 00 

101,670 00 

319,275 00 

26,145 00 

32,067 00 

265,640 00 

125,000 00 

17,505 00 

95,370 00 

486,200 00 

40,500 00 

51,420 00 

54,045 00 

34,779 00 

453,680 00 

311,400 00 

103,173 00 

331,457 00 

53,925 00 

68,556 00 

53,150 00 

588,420 00 

107,947 00 

105,270 00 

100,000 00 

225,900 00 

102,100 00 

351,432 00 



1889.] 



OF OTHER STATES. 



99 



New Brunswick, N. J , 
Nashville, Tenn , 

Orange, X. J., 

Omaha, Neb., 

Savannah, Ga., 

San Francisco, Cal., .... 
St Paul, Minn., ..... 
San Antonio, Tex., .... 
Stillwater, Minn., .... 
Cert, of deposit of State Bank of St. Louis, 
Deposit receipts of Comm'l Bank of Australia, 
Deposit receipts of Australian Joint Bank stock, 
Atlantic & Gulf bonds, 
Albany & Susquehanna, . 
Atlanta & Charlotte Air Line, . 
Bleecker St & Fulton Ferry, . 
Baltimore & Ohio, .... 

Central Ohio, 

( ledar Rapids, la. Falls & No. W., . 
Chicago & St. Louis, . 
California Southern, .... 
Covington & Lexington, . 
Charlotte, Col. & Augusta, 
Columbia & Augusta, 
Cleveland, Col., Cin. & Ind , 
Cincinnati & Springfield, . 
Cincinnati, Hamilton & Dayton, 
Chicago & Southwestern, . 
Chicago, Milwaukee & St. Paul, 
Central R.R. and Banking Co. of Georgia 
Chesapeake & Ohio, .... 
Chicago & Eastern Illinois, 
Columbus & Toledo, 
Chicago & Northwestern, . 
Dakota Central, 1st, . 
Fremont, Elkhorn & Mo. Val., . 
Chic., St. Paul, Minn. & Omaha, 
Cleveland, Lorain & Wheeling, 
Cleve., Tuscarawas Val. & Wh., 
Cleveland & Mahoning Valley, 
Columbus & Indiana Central, . 
Cincinnati & Chicago Air Line, 
Chicago & Great Eastern, 
Central Park, Xo. & East River, 
Cin., Ind., St. Louis & Chicago, 
Citizens' Gas Light Co., Brooklyn, . 
Corrigan Consolidated St. Ry., . 



Rook vol ne. 

$ 107,408 00 
373,768 00 

25,098 00 
219,475 00 

30,000 00 

300,937 00 

672,210 00 

152,365 00 

31,053 00 

25,000 00 

25,000 00 

59,000 00 

246,510 00 

1,235,265 00 

292,900 00 

39,746 00 

108,820 00 

504,800 00 

236,420 00 

97,980 00 

334,140 00 

100,000 00 

94,934 00 

10,000 00 

326,568 00 

273,435 00 

377,707 00 

172,335 00 

1,958,282 00 

722,314 00 

484,465 00 

51,560 00 

209,023 00 

1,085,450 00 

757,620 00 

108,790 00 

532,900 00 

108,109 00 

182,448 00 

188,230 00 

35,604 00 

45,576 00 

30,326 00 

118,450 00 

195,560 00 

50,830 00 

50,000 00 



Market value. 

$118,303 00 
416,248 00 
25,883 00 
233,601 00 
31,761 00 
319,725 00 
727,108 00 
159,445 00 
31,464 00 
25,000 00 
25,000 00 
59,000 00 
247,236 00 
1,397,799 00 
297,225 00 
40,457 00 
119,500 00 
512,500 00 
241,470 00 
99,958 00 
309,000 00 
100,420 00 
95,700 00 
10,000 00 
376,950 00 
302,265 00 
407,251 00 
185,295 00 
2,109,538 00 
738,229 00 
519,824 00 
59,250 00 
217,624 00 
1,177,060 00 
819,720 00 
123,360 00 
607,500 00 
109,170 00 
190,208 00 
188,563 00 
37,439 00 
46,953 00 
31,124 00 
119,450 00 
201,340 00 
51,200 00 
50,000 00 



100 



LIFE INSURANCE COMPANIES [Dec. 31, 



Chateaugay Railway ('<>.. 
Delaware & Hudson Canal Co. 
Duluth & Manitoba, . 
Easl Tenn., Virginia cV- Georgia, 
Eastern Hallway <>i -Minnesota, 

Erie, 

Elmira, Cortland & Northern, 
Evansville & Terre Haute, 
Florida Central & Peninsular, 
Flint & Fere Marquette, . 
Georgia Pacific, 
Georgia R.R. and Banking Co. 
Galves., Harris. & San Antonio, 
Grand Rapids, Lansing & Detroit, 
Housatonic Railroad, 
Ilaekensack Water Company, 
Hannibal & St. Joseph, . 
Houston & Texas Central, 
Illinois Central, 

Ind'polis, Decatur & Springfield, 
Indiana, Bloomington & West 
Indianapolis & St. Louis, . 
James River Valley, 
Jeftersonville,Mad. & Ind'polis, 
Kan. City, St. Jos. & Co. Bluffs, 
Louis., New Albany & Chicago, 
Lake Shore & Michigan So., 
Lake Erie & Western, 
Long Branch Water Supply Co. 
Morgan's L. & T. R.R. & S.S. C9. 
Michigan Central Railroad, 
Morris & Essex Railroad,. 
Mobile & Ohio, . 
Memphis & Charleston, . 
Mobile & Girard, 
Montgomery & Eufaula, . 
Minneapolis & St. Louis, . 
Milwaukee & Northern, . 
Mil , Lake Shore & Western, 
Minneapolis Gas Light Co., 
Minneapolis Street RailwayCo 
Mun'pal Gas Light Co.,Yonkers, 
Norfolk & Petersburg, 
Nashville & Decatur, 
New York, Lack a. & Western, 
New fork, Chicago & St. Louis, 
Nash., Chattanooga & St. Louis, 
New York Central & Hud. Ki\ ., 



Book value. 

1223,220 00 

417,739 00 

102,590 00 

108,300 00 

240,450 00 

113,435 00 

293,310 00 

288,175 00 

235,250 00 

626,560 00 

64,000 00 

444,578 00 

149,249 00 

243,875 00 

52,555 00 

205,520 00 

564,150 00 

55,520 00 

1,133,288 00 
201,331 00 
128,317 00 
450,281 00 
364,875 00 
110,172 00 
463,320 00 
106,980 00 

1,721,800 00 
250,000 00 
101,790 00 
266,075 00 

1,228,643 00 

114,730 00 

104,000 00 

218,580 00 

369,510 00 

162,778 00 

185,940 00 

321,360 00 

23,438 00 

211,900 00 

130,676 00 

26,700 

21,612 00 

210,645 00 

1,067,900.00 
504,000 00 
345,531 00 
608,200 00 



Market value. 

f234,580 00 

520,411 00 

107,000 00 

107,320 00 

258,125 00 

126,562 00 

304,500 00 

289,450 00 

242,500 00 

668,800 00 

70,867 00 

469,039 00 

140,030 00 

248,050 00 

52,970 00 

208,000 00 

600,000 00 

60,750 00 

1,186,750 00 
203,350 00 
135,413 00 
486,571 00 
364,875 00 
114,415 00 
484,000 00 
115,865 00 

1,868,500 00 
275,000 00 
103,670 00 
311,875 00 

1,262,438 00 

125,750 00 

114,500 00 

244,000 00 

375,601 00 

167,999 00 

137,953 00 

328,500 00 

24,442 00 

218,300 00 

145,418 00 

27,000 00 

21,904 00 

211,624 00 

L.Si^OOO 00 
468,720 00 
388,671 00 
645,000 00 



L889.] 



OF OTIIKR STATES. 



101 



New York, Pa. & Ohio, . 
VI Water WorksCo.,Kan. City, 
Ohio & Mississippi, . 
Pittsburg & Western, 
Pittsburg, Paines & Fairport, 
Pittsburg Junction, . 
Rome, Water. & Ogdensburg, 
Richmond & Danville, 
Richmond, York Riv. & Ches., 
San Antonio & Aran Pass , 1st, 
St. Paul & Eraluth, . 
St. Paul City Railway, . 
Syracuse, Binghamton & N. Y. 
South Carolina Railroad, . 
South side of Virginia, . 
South Georgia & Florida,. 
Staten Island Rapid Transit Co. 

'Texas & New Orleans, 
Third Avenue Railroad, . 
Union Passenger Ry. Co.,Phila. 
Valley Railroad of Ohio, . 
Virginia Midland, 3d series, 
Virginia & Tennessee, 
Western Railroad of Alabama 
Western Transit Company, 
Wheeling & Lake Erie, . 
Warren & Franklin, . 
Western Union Telegraph Co 
Wabash Railroad, 
Albany & Susquehanna stoek, 
Chicago, Mil. & St. Paul stock, 
Chicago & Northwestern stock, 
Del. & Hud. Canal Co. stock, . 
Georgia R.R. & B'king Co. stock, 
Massawippi Valley stock, 
Morris & Essex stock, 
New York & Harlem stock, 
N. Y., New Hav. & Hart, stock, 
Naugatuck stock, 
X. Y., Prov. & Boston stock, . 
Pennsylvania Railroad stock, . 
Pitts., Fort Wayne & Chic, stock, 
United N. J. R.R. & C. Co. stock, 
Real Est. Ex. & Auction R. stock, 



Book value. 

$56,568 00 
119,971 00 

87,819 00 

81,920 00 

114,(52.5 00 

400,000 00 

286,212 00 

564,100 00 

316,959 00 

179,500 00 

55,730 00 

278,588 00 

275,342 00 

502,850 00 

39,000 00 

18,226 00 

23,304 00 

662,160 oo 

100.000 oo 
28,836 00 
35,163 00 

260,175 00 

76,634 00 
5 15,052 00 
396,680 00 
235,325 00 

36,884 00 
623,530 00 
208,890 00 

30,342 00 
342,953 00 
626,803 00 
136,356 00 
159,798 00 

35,000 00 

30,797 00 

864.001 00 

258.002 00 
143,552 00 
299,343 00 
405,562 00 

15,225 00 

60,409 00 

1,000 00 



Market value. 

$61,050 00 
124,006 00 
87,780 00 
82,000 00 
116,301 00 
460,000 00 
291,383 00 
575,000 00 
321,514 00 
170,000 00 
55,720 00 
340,005 00 
315,945 00 
512,500 00 
40,860 00 
19,000 00 
24,045 00 
707,520 00 
100,000 00 
29,174 00 
35,174 00 
270,000 00 
77,629 00 
523,238 00 
422,320 00 
263,125 00 
37,848 00 
623,040 00 
229,118 00 
34,320 00 
338,333 00 
643,500 00 
147,000 00 
166,460 00 
35,728 00 
37,500 00 
1,110,625 00 
313,110 00 
196,000 00 
530,400 00 
383,720 00 
15,500 00 
62,472 00 
1,000 00 



7,015,519 81 $50,323,469 81 



102 



LIFE INSURANCE COMPANIES [Dec. 31 



"TIIK MUTUAL BENEFIT LIFE INSURANCE COMPANY," 

NEWARK, N. J. 



[Incorporated Jan. 31, 1S45 

Amzi l)ni>i>, Presidi nt. 

Income. 
New premiums without deductions, 

Renewal premiums, 

Premiums paid by dividends, including additions, . 

Premiums paid by surrendered policies, . 

Cash received for annuities, 

Total premium income, 

( ash received for interest, 

as discount on claims paid in advance, 
for rents of company 1 * propert} T , 

Total income, 

Net or ledger assets, Dec. 31, 188$, .... 



Commenced business April, 1843.] 

Edward L. Dobbins, Secretary. 



Total, 



$744,171 07 
8,395,781 82 

1,139,090 45 

217.G70 1G 

87,121 97 

§5,583,835 47 

2,293,462 13 

951 88 

40,435 39 

$7,918,684 87 
41,938,020 80 



Disbursements. 
Cash paid for losses and additions, .... 
Premium notes or loans used in payment of same, . 
Cash paid for matured endowments and additions, . 
Premium notes or loans used in payment of same, . 



$49,856,705 67 

$2,674,477 06 

138,218 40 

152,531 73 

5,208 58 



Gross amount paid for losses and endowments, 

Cash paid to annuitants, 

Cash paid for surrendered policies, .... 
Premium notes or loans used in purchase of surrendered 

policies and voided by lapse, 

Cash surrender values, including reconverted additions ap 

plied in payment of premiums, ..... 
Cash dividends paid policy-holders, $185,392.21 ; applied in 

payment of premiums, §1,139,090.45, . 
Premium notes or loans used in payment of dividends, 

Total paid policy-holders, .... 
Cash paid for commissions to agents, 

for medical examiner's fees, . 

for salaries of officers and office employees, 

for taxes and fees, .... 

for advertising and incidentals, 

for premiums on bonds purchased, . 

for repairs and expenses on real estate, 



Total disbursements, . 
Balance, 



§2,970,435 77 

24,139 90 

329,523 28 

144,627 64 

217,670 16 

1,324,482 66 
28,938 01 

$5,039,817 42 

627,099 24 

48,681 14 

128,774 80 

174,756 04 

87,940 48 

135,762 50 

20,026 19 



$,262,857 81 
$43,598,847 86 



1889.] 



OF OTHER STATES. 



103 



Invested in the following: — 

Assets as per Ledger Accounts 

Value of real estate, ....... 

Loans on mortgage of real estate (first liens), 
on collateral security (schedule A), 
on company's policies assigned as collateral, 

Premium notes or loans on policies in force, . 

Par value of stocks and bonds owned (schedule B), 

Cash in company's office, 

Cash deposited in bank, 

Agents 1 Ledger balances, 

Premiums in transit (since received), 

Ledger assets (as per balance), 



$1,070,119 43 

22,200,431 29 

3,060,345 00 

843,162 79 

4,217,702 93 

11,271,452 84 

185,620 85 

576,973 16 

374 05 

107,665 52 

$43,593,847 86 



Other Assets. 

Interesl due and accrued, .... 
Market value of stocks and bonds, over par, 
Uncollected premiums on policies in force, 
Deferred premiums on policies in force, . 



Total, 

Deduct loading (20 per cent.), . 

"N'et ain't of uncollected and deferred prein's, 

Total assets per company's books, 



-124,282 01 

374,228 79 

$498,510 80 

99,702 16 



636,572 09 

608,108 75 



398,808 64 



£45,237,337 34 



Items not admitted. 



Agents 1 balances, 

Total admitted assets, 



374 05 



£45,236,963 29 



Liabilities. 

Computed premium reserve or net present value of all out- 
standing policies (actuaries' 4 per cent.), 

Death losses and matured endowments in proc- 
ess of adjustment, 

Claims resisted by the company, 

Total policy claims, ..... 

Unpaid dividends of surplus due policy-holders, 

Premiums paid in advance, .... 



£41,385,743 00 



$198,161 11 
17,000 00 



215,161 11 

204,834 93 

4,732 22 



Liabilities as to policy-holders, 
Surplus as regards policy-holders, 



$41,810,471 26 
. 3,426,492 03 



Gross liabilities, 



§45,236,963 29 



104 



LIFE INSURANCE COMPANIES [Dec. 31, 



Premium Note Account. 



Premium notes on hand Dec. 31, 1888, 
Premium Dotes received during 1889, 

Total, 

Used in payment of losses and claims, 

I in payment of surrendered policies and 

voided by lapse, 

1 teed in payment of dividends to policy-holders, 
Redeemed by maker in cash, .... 

Total, 

Balance note assets, Dec. 31, 1889, . 



$•4,254,443 28 
358,844 83 

$143,426 98 

144,G27 64 
28,938 01 
78,592 55 



$4,613,288 11 



395,585 18 



. $4,217,702 93 



Exhibit of Policies. 
Policies and Additions in force Dec. 31, 1S8S. 



Whole life, 
Endowment, 
All other, . 
Reversionary additions, 



Number. 



Amount. 



Total No. 



43,513 $118,289,621 00 

11,544 27,593,813 00 

2,897 7,511,468 00 

103,721 00 



Total Amount. 



57,954 $153,498,623 00 



Whole life, 
Endowment, 

All other, . 



Policies issued during the Year. 

. 4,970 $13,822,072 00 

. 2,573 5,873,632 00 

901 2,246,282 00 



8,444 21,941,986 00 



Whole life, 
Endowment, 
All other, . 



Old Policies revived, 

27 $102,000 00 

11 20,000 00 

1 3,000 00 



39 



125,000 00 



Old Policies increased. 



Whole life, 


. 


3 $8,000 00 


Endowment, 


• 


8 26,634 00 

11 SI (>')1 00 


Additions by 


dividends, 


- 115,635 00 


Total, , 


66,448 $175,715,878 00 




Policies terminated during the Year. 


Whole life, 


. < 


, 3,061 $8,359,414 00 


Endowment-, 


. 


, 1,338 2,866,217 00 


All other, . 


. . i 


722 1,873,233 00 




5,121 $13,098,864 00 



L889.] 



OF OTHER STATES. 



105 



How terminated. 







Number. 


Amount. Total No. 


Totai Amount. 


By death, . 


. 


927 


|2,789,594 00 




maturity, 


, 


75 


158,861 00 




expiry, 


. . 


598 


1,553,200 00 




surrender 




1.720 


4,503,219 00 




lapse, . 


. 


1,005 


2,175,595 00 




Nol taken, . 


• 


796 


1,858,895 00 

F5 1°1 


$13,098,864 00 










Folk 


-ies in force Dec. 31, 18S9. 




Whole life, 


. . 


45.152 $128362,279 00 




Endowment, 


. 


12,798 


30,647,802 00 




All other, . 


■ 


8,077 


7,895,052 00 




Reversionary 


additions, 


- 


211,821 00 

61 397 


«ir,o a\i ni a on 



Schedule A. 
Securities held as Collateral. 

Market value. 

X County Nat'l Bank stock, Newark, X. J., $10,000 00 
Newark City National Bank stock, . 
National Newark Banking Company stock, 

Second National Bank stock. Newark, N. J., 
National State Bank stock, Newark, N. J., 
Manufacturers 1 Nafl Bank stock, Newark. N. .1 
Merchants 1 Nat'l Bank stock, Newark, N.J . 
American Insurance Co. scrip, Newark, N. J., 
Citizens' Gas Light Co. stock, Newark, N. J., 
.Morris & Essex Railroad bonds, 
Escanaba & Lake Superior Railroad bonds, 
Chicago, Milwaukee & St. Paul R.R. bonds, 
Consolidated Gas Company stock, . 
Western Union Telegraph Company stock, 
Chicago, Rock Island & Pacific Railroad stock 
Canada Southern Railroad stock, 
Midland Railroad of New Jersey bonds, . 
Chicago, Rock Island & Pacific Railroad stock 
Consolidated Gas Company stock, . 
Citizens' Gas Light Co. stock, Newark, N. J., 
Chicago, Rock Island & Pacific Railroad stock 
Western L nion Telegraph Compauy stock, 
Consolidated Gas Company stock, . 
Delaware, Lackawanna & Western R R. stock 
National State Bank stock, Newark, X. J., 
National Newark Banking Company stock, 
Merchants' Fire Ins. Co. stock, Newark, N.J. 
Firemen's Insurance Co. stock, Newark, N. J. 
East Cleveland Railroad stock, 



Amount loaned. 



14,000 00 

6,000 00 

2,600 00 

6,225 00 } 

3,600 00 

1,680 00 
10,920 00 

8,000 00 J 

7,920 00 5,500 00 

7,770 00 > 

8,400 00 
18,200 00 

8,300 00 j> 50,000 00 

9,725 00 

5,500 00 

4,600 00 
29,250 00 
36,400 00 
64,000 00 
87,750 00 
12,450 00 
18,200 00 

6,775 00 j 
750 00) 
900 00 ' 

3,850 00 
645 00 j 
84,000 00 



50,000 00 

50,000 00 

i 

j> 100,000 00 



c 



5,000 00 
60,000 00 



10G 



LIFE INSURANCE COMPANIES [Dec. 31, 



Pennsylvania Railroad stock, . 
Newark City National Hank stock, . 
Newark (las Light Company stock, 
Western Union Telegraph Company stock, 
Newark Gas Light Company stock, 
Newark and Rosendale Lime and Cement Co 

stock, 

Richmond & West Point Terminal R.R. stock 
Manhattan Elevated Railroad stock, 
Western Union Telegraph Company stock, 
Missouri Pacific Railroad stock, 
Missouri Pacific Railroad stock, 
Oregon Railway and Navigation Co stock, 
Pullman Palace Car Company stock, 
Manhattan Elevated Railroad stock, 
Norfolk & Western (Clinch Valley) R.R. bonds 
United Railroads of New Jersey bonds, . 
Western Union Telegraph Company stock, 
American Telegraph and Cable Co stock, 
Oregon Improvement Company stock, . 
Manhattan Elevated Railroad stock, 
Boston, Hoosac Tunnel & Western R R bonds, 
Nashville, Florence & Sheffield Railroad bonds, 
Missouri Pacific Railroad stock, 
St. Paul, Minneapolis & Manitoba R, R. stock, 
Western Union Telegraph Company stock, 
Pullman Palace Car Company stock, 
Canada Southern Railroad stock, 
Manhattan Elevated Railroad stock, 
Chicago, Burlington & Quincy Railroad bonds 
St Louis & Iron Mountain Railroad bonds, 
Cleveland, Columbus, Cin. & Tnd. R.R bonds, 
Atlanta & Charlotte (Air Line) R R. bonds, 
St Paul, Minneapolis & Manitoba R.R. stock 
Manhattan Elevated Railroad stock, 
Missouri Pacific Railroad stock, 
Missouri Pacific Railroad stock, 
Rome, Watcrtown & Ogdensburg R.R. stock 
Manhattan Elevated Railroad stock, 
Wabash Railroad bonds, .... 
Western Union Telegraph Company stock, 
Richm'd & West Ft Ter. R'y & Wh. Co stock 
East Tennessee, Va. & Georgia R 11. stock, 
Missouri Pacific Railroad stock, 
Manhattan Elevated Railroad stock, 
Western Union Telegraph Company stock, 
Western Union Telegraph Company stock, 
St. Paul, Minneapolis vV Manitoba R K. Btock, 



Market value. 

$15,900 00? 

2,100 00 S 
15,000 00 
10,600 00? 

3,700 00 S 

15,000 00 
7,700 00^ 
10,200 00 i 
95,450 00 j 
7,200 00 J 
21,600 00 "1 

9,900 

37,600 00 

20,400 00 

12,740 00 

32,400 00 J 

49,800 00^ 

4,150 00 

9,000 00 

30,600 00 

19,600 00 

10,100 00 J 

32,400 00 "i 

22,600 00 

8,300 00 

18,800 00 

11,000 00 j 

20,400 00 

2,730 00 

4,400 00 

2,460 00 

2,300 00 J 

67,800 00 n 

30,600 00 i 

28,800 00 ) 

72,000 00 \ 

40,000 00 I 

10,200 00 [ 

3,030 00 j 

4,150 00 J 

7,700 00 ) 

19,800 00 | 

79,200 00 [ 

10,200 00 | 

8,300 00 J 

66,400 00 ) 

56,500 00 I 



Amount loaned. 

$15,000 00 
10,000 00 
17,500 00 

10,000 00 
100,000 00 



} 100,000 00 



j> 100,000 00 



} 100,000 00 



100,000 00 



100,000 00 



100,000 00 



100,000 00 



1889.] 



OF OTHER STATES. 



107 



St. Paul, Minneapolis & Manitoba R.R. stock 
Missouri Pacific Railroad stock. 
Western Union Telegraph Company stock, 
Chicago, Milwaukee A: St. Paul B R. stock, 
Central Railroad of Now Jersey stock, . 
Manhattan Elevated Railroad stock, 
Missouri Pacific Railroad stock, 
Western Union Telegraph Company stock, 
Pullman Palace Car Company stock, 
Galveston, Harrisburg & s. Amer. B R. bonds 
Savannah & Western Railroad bonds, 
Pullman Palace Car Company stock, 
Western Union Telegraph Company stock, 
Trenton Water Company bonds, Trenton, Mo 
Pullman Palace Car Company stock, 
Western Union Telegraph Company stock, 
Chicago, Milwaukee & St. Paul K R. stock. 
Chicago, Rock Island & Pacific Railroad stock 
Milwaukee, Lake Short 1 & Western R.R stock 
Flint & Pere Marquette Railroad stock, . 
Milwaukee, Lake Shore & Western R.R. bonds 
Lehigh & Wilkesbarre Railroad bonds, . 
Fort Worth £ Denver City Railroad bonds, 
Albany & Susquehanna Railroad stock, . 
Chicago, Rock Island & Pacific Railroad stock 
Western Union Telegraph Company stock, 
Canaila Southern Railroad bonds, . 
Chicago, Milwaukee & St. Paul R.R. bonds, 
Chicago, Rock Island & Pacific Railroad stock 
Delaware, Lackawanna & Western R R. stock 
Central Railroad of Xew Jersey stock, . 
Pullman Palace Car Company stock, 
Delaware and Hudson Canal Company stock 
Missouri Pacific Railroad stock, 
St. Louis, Alton & Terre Haute R R. stock, 
American Telegraph & Cable Company stock 
Pullman Palace Car Company stock, 
Manhattan Elevated Railroad stock, 
Western Union Telegraph Company stock, 
Chicago & Northwestern Railroad stock, 
Rochester & Pittsburg Railroad bonds, . 
Union Pacific Railroad bonds, . 
Belleville & Southern Illinois Railroad bonds 
Western Union Telegraph Company stock, 
Evansville & Terre Haute Railroad stock, 
Richm'd & West Pt. Ter R R & Wh. Co. stock 
Missouri Pacific Railroad stock, 
West Shore Railroad bonds, . 
City of St. Paul, Minn., bonds, 



> $200,000 00 



Market value. Amount loaned. 

$15,200 00 ) 

72,000 00 
74,700 00 
11,425 00 
37,650 00 
10,200 00 J 
28,800 00 ^ 

8,300 00 | 
37,600 00 j> 
14,000 00 I 
39,600 00 j 
103,400 00 t 
24,900 00 S 
80,000 00 
18,800 00 ^ 

6,308 00 J 



68,400 00 
29,250 00 j 
68,400 00 ^ 
500 00 i 
33,625 00 ) 
25,080 00^ 
15,675 00 > 
21,945 00 ) 
29,250 00 ^ 



100,000 00 

100,000 00 
40,000 00 

100,000 00 

100,000 00 
50,000 00 



24,900 00 [ 



3,880 00 ( 
2,560 00 j 
9,750 00 \ 



}> 50,000 00 



54,200 00 

50,200 00 , 

9,400 00 j 

14,700 00^ 

18,360 00 

24,860 00 

8,300 00 

19,928 00 

10,200 00 } 

2,075 00 

5,550 00 

17,400 00 

1,180 00 

1,170 00 

83,000 00 ^ 

24,000 00 ' 

7,700 00 , 

7,200 00 j 

1,050 00 ) 

2,000 00 S 



j> 100,000 00 



100,000 00 



j. 100,000 00 



2,345 00 



108 



LIFE INSURANCE COMPANIES [Dec. 31 



Missouri Pacific Railroad stock, 
Western Union Telegraph Company stock, 
Chicago, Hock Island & Pacific Railroad stock 
Consolidated Gas Company stock, . 
Richm'd&WestPt Ter.RB & Wh. Co. stock 
Manhattan Elevated Railroad stock, 
Lake Shore & Michigan Southern R.R. stock 
Oregon Railway and Navigation Co. stock, 
Chicago & Northwestern Railroad stock, 
New York, Lackawanna & Western R.R. stock 
Oregon Railway and Navigation Co. stock, 
Manhattan Elevated Railroad'stock, 
Western Union Telegraph Company stock, 
Marquette, Houghton & Ontonagon R.R. stock 
St. Louis city bonds, .... 

Wisconsin Valley Railroad bonds, . 
Columbus & Hocking Valley Railroad bonds 
Consolidated Gas Company stock, . 
New York Central & Hudson River R.R. stock 
Chicago & Northwestern Railroad stock, 
Illinois Central Railroad stock, 
Western Union Telegraph Company stock, 
New York, New Haven & Hartford R R. stock, 
Delaware, Lackawanna & Western R R stock, 
Canada Southern Railroad stock, 
Western Union Telegraph Company stock, 
Delaware, Lackawanna & Western R R. stock 
Manhattan Elevated Railroad stock, 
Chicago, St. Paul, Minn. & Omaha R.R. stock, 
St. Louis & San Francisco Railroad stock, 
Western Union Telegraph Company stock, 
Toledo, St. Louis & Kansas City R R. bonds, 
St. Louis, Alton & Terre Haute RR bonds, 
Chicago & Northwestern Railroad stock, 
Manhattan Elevated Railroad stock, 
Western Union Telegraph Company stock, 
Missouri Pacific Railroad stock, 
Central Railroad of New Jersey stock, . 
Western Union Telegraph Company stock, 
Western Union Telegraph Company stock, 
Missouri Pacific Railroad stock, 
Manhattan Elevated Railroad stock, 
Chicago & Northwestern Railroad stock, 
East Tennessee, Virginia &GeorgiaR.R bonds, 



Market value. 

$6,264 00 

83,200 00 

9,760 00 

9,100 00 
20,482 00 
20,400 00 j 
10,450 00 I 

9,900 00 J 
12,210 00 1 
11,000 00 
34,650 00 
20,400 00 
16,600 00 \ 
19,872 00 

3,210 00 

1,230 00 

1,520 00 

9,100 00 ^ 
32,100 00 
14,150 00 

8,225 00 
16,600 00 

7,500 00 
27,100 00 

5,500 00 J 
41,500 00 \ 
47,425 00 j 
20,400 00 }> 

9,600 00 j 

1,900 00 J 
99,600 00 ) 
25,000 00 S 

7,700 00 ^ 
11,100 00 | 
30,600 00 \ 
33,200 00 
41,040 00 
112,950 00 ) 
16,600 00 S 
41,500 00 1 
36,000 00 | 
10,200 00 I 
33,300 00 j 

5,200 00 J 



Amount loaned. 



} $100,000 00 



100,000 00 



[ 100,000 00 



100,000 00 



100,000 00 



100,000 00 



100,000 00 



100,000 00 



1,877,119 00 £3,060,345 00 



L889.1 



OF OTHER STATES. 



109 



Schedule B. 
Bonds owned i>>j the Company. 



United States bonds, . 

Essex County, X. J., bonds, 

Union County, X. J , bonds, 

Buchanan County, Mo., bonds,. 

Lincoln County, M<>., bunds, 

Pettis County, Mo., bonds, 

Tippecanoe County, End., bonds, 

Van Buren County, la., bonds, . 

Unita County, Wy., bonds, 

City of Newark, X. J., bonds, . 

City of Orange, N. J., bonds, . 

City of X»'\v Brunswick, X. J., bond-. 

City of Elizabeth, X. J. (adjustment), bonds, 

City of Eahway, X". J., bonds, . 

City of South Bond, Ind., bonds, 

City of Lafayette, Ind , bonds, . 

City of Erie, Pa., bonds, . 

City of Springfield, 111., bonds, . 

City of Toledo, O., bond-. 

City of Sandusky, O., bonds, 

City of Cleveland, O., bonds, . 

City of Sedalia, Mo., bonds, 

City of Saginaw, Mich., bonds, . 

City of Colorado Springs, Col., bonds, 

Township of Montelair, N. J., bonds, 

Township of West Orange, N. J., bonds, 

Township of East Orange, X. J., bonds, 

Colorado State warrants, . 

Grand Rapids & Indiana Railroad bonds, 

Belvidere Delaware Railroad bonds, 

Chicago, Burlington & Quincy Railroad bonds, 

Perth Arnboy & Woodbridge Railroad bonds, 

Central Railroad of Xew Jersey bonds, . 

Chicago, Rock Island & Pacific Railroad bonds,' 

Freehold & Jarnesburo; Agricultural R.R. bonds, 

Shamokin, Sunbury & Lewisburg R.R. bonds, 

Xew York Central Railroad bonds, . 

"Wilkesbarre & Scranton Railroad bonds, 

N. York, Susquehanna & Western R.R. bonds 

Phila., Wilmington & Baltimore R.R. bonds, 

Philadelphia & Erie Railroad bonds, 

Cleveland, Painesville & Ashtabula R.R. bonds 

Cleveland & Canton Railroad bonds, 

Seattle, Lake Shore & Eastern R.R. bonds, 



Par value. 

$610,500 00 

1,1 .17,000 00 

20,000 00 

500,000 00 

148,000 00 

104,500 00 

75,000 00 

24,500 00 

52,000 00 

2,375,000 00 

60,000 00 

14,000 00 

1,040,000 00 

49,401 33 

153,000 00 

160,000 00 

152,000 00 

114,300 00 

218,000 00 

134,000 00 

250,000 00 

50,000 00 

100,000 00 

50.000 00 
315,000 00 
128,500 00 
158,750 00 

50.001 51 
50,000 00 

750,000 00 

150,000 00 

100,000 00 

200,000 00 

100,000 00 

100,000 00 

40,000 00 

20,500 00 

100,000 00 

100,000 00 

250,000 00 

500,000 00 

5,000 00 

50,000 00 

50,000 00 



Market value. 

$746,868 75 

1,323,730 00 

20,250 00 

500,000 00 

148,000 00 

104,500 00 

75.000 00 
24,500 00 
52,000 00 

2,489,625 00 

68,950 00 

14,630 00 

1,040,000 00 

49,401 33 

153,000 00 

191,200 00 

163,400 00 

114,300 00 

242,220 00 

137,630 00 

274,000 00 

50,800 00 

100,000 00 

51,500 00 

322,875 00 

147,815 00 

158,750 00 

50.001 51 
60,500 00 

750,000 00 

143,250 00 

100,000 00 

220,000 00 

104,000 00 

100,000 00 

41,200 00 

21,115 00 

100,000 00 

97,000 00 

250,000 00 

500,000 00 

5,300 00 

47,250 00 

45,000 00 



110 



LIFE INSURANCE COMPANIES [Dec. 31 



Bear Lake and River Water Works and Irriga- 
tion Company bonds, 

West Shore bonds, guar, by N.Y.C &II.R.R.R., 



Par value. 



Market value. 



|25,000 00 $25,000 00 
437,500 00 . 455,000 00 



$11,271,452 84f 11,879,561 59 



" NATIONAL LIFE INSURANCE COMPANY," 
MONTPELIER, VT. 

[Incorporated Nov. 13, 1848. Commenced business Feb. 1, 1850.] 

Charles Dewey, President. George W. Reed, Secretary. 

Income. 

New premiums without deductions, $401,965 06 

Renewal premiums, 1,093,103 47 



Total premium income, 

Cash received for interest, 

as discount on claims j3aid in advance, 
for rents of company's property, 

Total income, 

Net or ledger assets, Dec. 31, 1888, .... 



Total, 



Disbursements. 
Cash paid for losses and additions, .... 
Premium notes or loans used in payment of same, . 
Cash paid for matured endowments and additions, . 

Gross amount paid for losses and endowments, 
Cash paid for surrendered policies, .... 
Premium notes or loans used in purchase of surrendered 

policies and voided by lapse, .... 

Cash dividends paid applied in payment of premiums, 
Premium notes or loans used in payment of dividends, 

Total paid policy-holders, 

Cash paid for commissions to agents, 

for salaries and travelling expenses of agent 

for medical examiner's fees, . 

for salaries of officers and office employees, 

for taxes and fees, 

for rent, 

for commuting commissions, .. 
for furniture and office fixtures, 
for advertising and printing, . 
for legal services, etc , 

Total disbursements, 

Balance, 



$1,495,068 53 

276,302 50 

263 55 

10,039 77 



M,781,674 35 
4,880,431 62 



$6,662,105 97 

$308,593 15 

1,255 00 

42,926 81 

$352,774 96 
152,820 54 

1,637 14 

131,850 12 

82 75 

$639,165 51 

244,415 25 

24,024 97 

22,711 88 

25,955 40 

27,383 78 

16,200 85 

48,331 10 

4,979 74 

16,421 65 

6,281 61 

$1,075,871 74 

$5,586,234 23 



1889.] 



OF OTHER STATES. 



Ill 



Invested in the following: — 

. a>sets as per Ledger Accounts 

Cost value of real estate 

Loans on mortgage o\' real estate (first liens), 
On collateral security (schedule A), 
on company's policies assigned as collateral, 

Premium notes or loans on policies in force, . 

Cost value of stocks and bonds owned (schedule B), 

Cash in company's office, 

Cash deposited in bank, 

Agents 1 ledger balances ($156,416.78 since received), 

Ledger assets (as per balance), 



$181,224 70 

2,551,097 31 

96,930 00 

258,357 23 

54,253 52 

2,061,161 46 

3,146 14 

109,336 56 

210,728 81 

§5,586,234 23 



Other Assets. 
Interest due and accrued, .... 
Market value of stocks and bonds, over cost. 
Uncollected premiums on policies in force, 
Deferred premiums on policies in force, 

Total 

Deduct loading (20 per cent.), 

Net am't of uncollected and deferred prem's, 

Total assets per company's books, 



$52,228 57 

146,637 77 



$198361 34 

39,772 27 



93,387 57 
132,795 22 



159,089 07 
. $5,971,506 09 



Items not admitted. 

Agents 1 balances, 1.311 53 

Loans in excess of market value, . . . 5,000 00 
Total, 



Total admitted assets, 



59,311 53 
. 85,912,194 56 



Liabilities. 
Computed premium reserve or net present value of all out- 



standing policies (actuaries 1 4 per cent), 
Death losses due and unpaid, .... 
Death losses and matured endowments in 

process of adjustment, 

Total policy claims, 

Unpaid dividends of surplus due policy-holders, 
Premiums paid in advance, .... 
Extra reserve on life rate endowment policies, 

Liabilities as to policy-holders, . 
Surplus as regards policy-holders, . 

Gross liabilities, 



. 84,816,041 00 



§2,000 00 
7,000 00 



9,000 00 

4,556 95 

4,013 23 

257,298 00 

$5,090,909 18 

821,285 38 

§5,912,194 56 



112 



LIFE INSURANCE COMPANIES [Dec. 31, 



Premium Note Account. 

Premium notes on hand Dec. 31, 1888, . . $45,427 47 

Premium notes received during 1889, . . L8,839 97 

Total, $94,267 44 

Used in payment of losses and claims, . . $1,255 00 
Used in payment of surrendered policies and 

voided by lapse, 1,637 14 

Used in payment of dividends to policy-holders, 82 75 

Redeemed by maker in cash, .... 37,039 03 

Total,.' 40,013 92 

Balance note assets, Dec. 31, 1889, $54,253 52 



Exhibit of Policies. 



Whole life, 
Endowment, 
All other, . 
Reversionary additions, 



Policies and Additions in force Dec. 31, 188S. 

Number. Amount. Total No. Total Amount. 

. 7,988 $21,451,018 00 

. 8,857 10,780,727 00 

5 13,000 00 

67,558 00 

16,850 $32,312,303 00 



Whole life, 
Endowment, 



Policies issued during the Year. 
. 3,026 $9,280,950 00 
. 1,682 3,405,500 00 



4,708 12,686,450 00 



Whole life, 
Endowment, 



Old Policies revived. 

19 $29,500 00 

17 17,000 00 



36 



46,500 00 



Whole life, 
Endowment, 

Additions by dividends, 



Old Policies increased. 

$7,500 00 
1,050 00 



8,550 00 
2,488 00 



Total, 21,594 $45,056,291 00 

Policies terminated during the Year. 

Whole life, . . . 1,458 $4,251,765 00 
Endowment, . . . 1,314 2,023,750 00 
All other, .... 3 13,235 00 



2,770 $6,288,750 00 



L889.] 



OF OTHER STATES. 



113 



Bj death, . 
maturity, 
expiry, 
surrender, 

lapse, . 

change and decrease, 

Not taken, . 



Wow terminated. 

Number. Amount. 

150 0309,848 00 

29 42,927 00 

5 10,550 00 

796 1,114,340 00 

866 1,991,500 00 

59 387,335 00 

866 2,432,250 00 



Total No. 



2,770 



Policies in force Dec. 31, 1SS0 
Whole life, . . . 9,580 $26,517,203 00 

Endowment, . . . 9,242 12,180,527 00 
All other, .... 2 3,000 00 

Reversionary additions, . - 66,81100 



Total Amount. 



1,288,750 00 



18,824 $38,767,541 00 



Schedule A. 
Securities held as Collateral. 

Market value. 

National Car Company stock, .... 87,500 00 

Lane Manufacturing Company stock, . . 70,875 00 

National Bank of Rutland stock, . . . 5,500 00 

Ohio, III , Vt., la. and Kan municipal bonds, . 26,031 00 

Vermont Marble Company bonds, . . . 10,320 00 

Mortgage note, 831 00 

Life policy assigned, et 3., 7,644 70 

Nebraska State warrants, 6,575 36 



Amount loaned. 

$6,000 00 

31,500 00 

10,500 00 

25,000 00 

10,000 00 

730 00 

7,000 00 

6,200 00 



|135,277 06 $96,930 00 



Schedule B. 
Stocks and Bonds owned by the 



United States bonds, . 
State of New Hampshire bonds, 
State of Missouri bonds, . 
State of Nebraska warrants, 
City of Boston, Mass., bonds, . 
City of Chelsea, Mass., bonds, . 
City of Fitchburg, Mass., bonds, 
City of Lawrence, Mass., bonds, 
City of Worcester, Mass., bonds, 
City of Burlington, Vt., bonds, . 
City of Minneapolis, Minn., bonds, 
City of Fairbault, Minn., bonds, 
City of La Suer, Minn., bonds, . 
City of Stillwater, Minn , bonds, 
City of Winona, Minn , bonds, . 



Company. 

Par value. 

#105,000 00 
11,000 00 
11,000 00 

7,669 14 
10,000 00 
41,000 00 
60,000 00 
20,000 00 
20,000 00 
25,000 00 
32,000 00 

6,000 00 

5,000 00 
41,000 00 

3,000 00 



Market value. 

$132,300 00 
14,564 00 
14,022 80 

7,860 87 
13,240 00 
44,545 60 
65,676 00 
22,214 60 
21,106 00 
25,905 00 
33,295 65 

6,105 60 

5,272 00 
45,366 50 

3,135 00 



114 



LIFE INSURANCE COMPANIES [Dec. 31, 



City of Indianapolis, Intl., bonds, 
City of Appleton, Wis., bonds, . 
City of Fond du Lac, Wis , bonds, 
Citj of Meriden, Conn., bonds,. 
City of Crystal Lake, III., bonds, 
Citj of Danville, 111., bonds, 
City of Irving Park, 111., bonds, 
( ii\ of Springfield, 111., bonds, 
City of Algona, la., bonds, 
City of Burlington, la , bonds, . 
City of Creston, la., bonds, 
City of Corning, la , bonds, 
( Jity of Fort Dodge, la., bonds, 
City of Independence, la., bonds, 
City of Nevada, la., bonds, 
City of North Des Moines, la., bonds, 
City of Marion, la., bonds, 
City of Spencer, la., bonds, 
City of Sioux City, la., warrants, 
City of Niles, Mich , bonds, 
City of Piqua, O., bonds, . 
City of Huron, Dak , bonds, 
City of Joplin, Mo , bonds, 
City of Newton, Kan , bonds, . 
City of Lincoln, Neb., bonds, . 
City of Lincoln, Neb , warrants, 
City of Kearney, Neb , bonds, . 
City of Kearney, Neb , bonds, . 
City of Omaha, Neb , bonds, 
City of Red Cloud, Neb , bonds, 
County of Douglas, Neb., bonds, 
County of Dundy, Neb., bonds, 
County of Lancaster, Neb , bonds, 
County of Outagamie, Wis., bonds, 
County of Adair, la., bonds, 
County of Dickinson, la., bonds, 
County of Haskell, Kan., bonds, 
County of Wyandotte, Kan., bonds, 
Town of Arlington, Vt., bonds, 
Town of Bakersfield, Vt., bonds, 
Town of Essex, Vt., bonds, 
Town of Fairfax, Vt., bonds, . 
Town of Greensborough, Vt., bonds 
Town of Hardwick, Vt., bonds, 
Town of Ilighgate, Vt , bonds, . 
Town of Hyde Park, Vt., bonds, 
Town of Jay, Vt., bonds, . 
Town of Jamaica, Vt , bonds, . 



Par value. 

|25,000 <"i 

31,500 00 

20,000 00 

41,000 00 

5,000 00 

10,000 00 

4,500 00 

18,200 00 

7,000 00 

15,000 00 

14,000 00 

15,000 00 

11,000 00 

10,000 00 

12,000 00 

5,000 00 

22,000 00 

5,500 00 

5,800 00 

12,000 00 

10,000 00 

12,500 00 

6,500 00 

12,000 00 

50,000 00 

54,294 35 

10,000 00 

25,000 00 

20,000 00 

10,000 00 

20,000 00 

1,800 00 

50,000 00 
25,000 ,00 

7,500 00 

10,000 00 

14,000 00 

21,000 00 

15,000 00 

4,000 00 

6,000 00 

GOO 00 

3,500 00 

1,500 00 

30,000 00 

2 ( J,000 00 

7,000 00 

7,000 00 



Market value. 

$28,835 00 
31,814 00 
21,570 00 

15,234 90 

5,679 00 
16,227 20 

4,904 10 
19,688 76 

7,205 10 
15,394 00 
14,415 80 
16,497 00 
11,341 20 
10,422 00 
12,333 60 

5,382 50 
24,195 60 

5,676 00 

5,800 00 
12,708 12 
11,602 00 
13,397 50 

6,732 70 
12,178 80 
51,390 00 
55,380 24 
10,781 00 
' 26,530 00 
21,748 00 
10,215 00 
21,180 00 

2,004 48 
50,585 00 
25,530 00 

7,582 50 
10,484 00 
14,793 80 
21,426 20 
15,661 50 

4,013 20 

6,199 80 
602 88 

3,641 40 

1,590 90 
31,668 00 
29,069 60 

7,278 60 

7,126 70 



1889.] 



OF OTHER STATES. 



115 



Town o\' Jericho, Vt., bonds, . 
Town of Johnson, Vt., bonds, . 
Town of Montpelier, Vt , bonds, 

Town o\' Mt Tabor, Vt , bonds, 

Town o!" Xewfane, Vt., bonds, . 

Town of St. Albans, Vt., bonds, 

Town of Swanton, Vt., bonds, . 

Town of Sheldon, Vt , bonds, . 

Town of Troy. Vt., bonds. 

Town of Underbill, Vt., bond-. 

Town of Wolcott, Vt , bonds, . 

Town of Woodstock, Vt., bonds, 

Town of Williston, Vt., bonds, 

Village of Brandon, Vt , bonds, 

Village of Montpelier, Vt., bonds, 

Village of Richford, Vt., bonds, 

Village of St. Johnsbury, Vt., bonds, 

Village of St. Albans, Vt., bonds, 

Village of West Randolph, Vt., bonds, 

Village of North Bend, Neb , bonds, 

Kansas, Neb. and. Colorado county warrants, 

Vermont Marble Co.'s mortgage bonds, . 

First National Bank stoek, Montpelier, Vt., 

Montpelier Nat'l Bank stoek, Montpelier, Vt , 

Cass County, la , bonds, . 

Clinton, la., bonds, . 

Newton, la., bonds, . 

Osceola, la., bonds, . 

Red Oak, la., bonds, . 

Rock Rapids, la., bonds, . 

Sanborn, la., bonds, . 

Atchison Comity, Kan., bonds, . 

Coffey ville, Kan., bonds, . 

Cloud County, Kan., bonds, 

Dickinson County, Kan , bonds, 

Barber County, Kan , bonds, 

Gray County, Kan., bonds, 

Graham County, Kan , bonds, . 

Horton County, Kan., bonds, . 

Liberal, Kan., bonds, 

Oakdale, Kan , bonds, 

Neosha County, Kan., bonds, . 

Kingman County, Kan., bonds, 

Stanton County, Kan., bonds, . 

Sedgwick County, Kan , bonds, 

Wa-Keeney, Kan., bonds, . 

Wellington, Kan., bonds, . 

Antelope County, Neb., bonds, . 



Tar value. 

$8,000 00 
7,000 00 

45,050 00 
3,000 00 
7,000 00 
3,000 00 

60,500 00 

24,000 00 
3,000 00 

17,000 00 
9,300 00 
6,500 00 
2,400 00 

25,000 00 
5,000 00 

17,000 00 
6,000 00 

37,000 00 

12,000 00 

3,000 00 

302,422 97 

20,000 00 

26,000 00 
2,800 00 
4,000 00 
3,000 00 

10,000 00 
3,500 00 
4,000 00 
2,000 00. 
3,000 00 

10,000 00 
7,500 00 
3,500 00 

12,000 00 
4,600 00 
4,000 00 
8,000 00 

13,000 00 
15,000 00 
2,500 00 
8,240 00 
3,000 00 
1,000 00 
8,000 00 
1,500 00 
14,000 00 
4,775 00 



Market value. 

$8,177 60 
7,016 80 

46,453 15 
3,063 60 
7,000 00 
3,021 75 

62,974 45 

24,808 32 
3,012 27 

17,377 40 
9,485 53 
6,500 00 
2,417 52 

25,000 00 
5,048 50 

17,275 40 
6,000 00 

37,358 90 

12,000 00 

3,000 00 

306,959 30 

20,640 00 

33,800 00 
4,200 00 
4,094 40 
3,014 40 

10,095 00 
3,783 15 
4,217 60 
2,243 61 
3,272 10 

12,136 00 
8,084 25 
3,799 25 

12,430 80 
4,775 72 
4,346 80 
9,333 10 

14,562 60 

16,342 50 
2,716 75 
8,600 91 
3,173 40 
1,109 40 
8,574 40 
1,552 65 

14,404 60 
4,949 10 



116 



LIFE INSURANCE COMPANIES [Dec. 31, 



Blaine County, Neb., bonds, 
( lass ( Sonnfy, Neb., bonds, 

Aurora, Neb., bonds, . 
Adam- County, Neb., bonds, 
Box Butte County, Neb., bonds 
Dawson County, Neb., bonds, 
Holt County. Neb., bonds, 
Howard County, Neb., bonds, 
Hitchcock County, Kan., bonds 
Harlan County, Neb., bonds, 
Kearney County, Neb., bonds, 
Jefterson County, Neb., bonds, 
Saunders County, Neb., bonds, 
Saline County, Neb , bonds, 
Thayer County, Neb., bonds, 
Nance County, Neb., bonds, 
York County, Neb., bonds, 



Tar value. 

$5,500 00 

10,300 00 

5,000 00 

450 00 

5,000 00 

3,400 00 

3,000 00 

700 00 

350 00 

4,500 00 

20,610 00 
2,500 00 
7,950 00 

26,950 00 
1,500 00 
3,000 00 
2,000 00 



Market value. 

$6,079 70 

11,082 67 

5,256 00 

514 80 

5,266 00 

3,782 22 

3,358 56 

712 39 

359 34 

4,842 45 

22,553 40 
2,776 80 
8,520 01 

27,382 41 
1,607 55 
3,239 10 
2,093 00 



1,061,161 46 $2,193,956 68 



" NEW YORK LIFE INSURANCE COMPANY," NEW YORK, N. Y. 

[Incorporated 1841. Commenced business 1845.] 

William H. Beers, President. Rufus W. Weeks, Actuary. 

Note by the Company. — Whenever the term " cash " is used in this statement, it means 
money in hand or its equivalent in the company's money obligations. 



Income. 
New premiums without deductions, 

Renewal premiums, 

Cash received for annuities, 



Total, 

Deduct amount paid for reinsurance, 

Total premium income, 

Cash received for interest, 

as discount on claims paid in advance, 
for rents of company's properly, 



Total income, 

Nel or Ledger assets, Dec. 31, 1888, . . .$86,891,906 63 
Appreciation ol real estate in process of im- 
provement, 145,449 30 



. $7,928,441 84 
. 14,728,024 44 

. 1,670,380 75 

$24,326,847 03 

84,330 03 

$24,242,517 00 

. 4,174,066 79 

15,073 99 

253,015 66 

$28,684,673 44 



87,037,355 93 



Total, $115,722,029 37 



Disbursements. 

Cash paid for losses and additions, . . . . 
Premium notes or loans used in payment of same, . 



. $5,101,475 60 
21,740 84 



1889.] 



OF OTHER STATES. 



117 



Cash paid for matured endowments and additions, 
Premium notes or loans used in payment of same,. 

Gross amount paid for losses and endowments, 
Kt ceived for losses and claims on policies reinsured, 

Net amount paid for losses and endowments, . 

( lash paid to annuitants, 

Cash paid for surrendered policies, .... 
Premium notes or loans used in purchase of surrendered 

policies and voided by lapse, 
Cash dividends paid policy-holders applied in payment of 

premiums, 

Premium notes or loans used in payment of dividends, . 

Total paid policy-holders 

Cash paid for commissions to agents, .... 
for salaries and travelling expenses of agents, 
for medical examiner's fees, .... 
for salaries of officers and office employees, . 

for taxes and fees, 

for advertising, 

for incidentals, 

Total disbursements, 

Balance, 

Invested in the following: — 

Assets as ter Ledger Accounts 

Cost value of real estate, 

Loans on mortgage of real estate (first liens), 
Loans on collateral security (schedule A), 
Premium notes or loans on policies in force, . 
Cost value of stocks and bonds owned (schedule B), 

Cash in company's office, 

Cash deposited in bank, 

Agents' ledger balances, . . . 



Ledger assets (as jDer balance), 



$1,219,198 64 
430 42 

$6,342,845 50 
90,750 00 

$6,252,095 50 
1,160,752 95 
2,218,809 75 

22,134 95 

2,466,348 05 
980 46 

$12,121,121 66 
3,735,140 50 
100,000 00 
234,790 64 
413,601 19 
168,407 14 
107,933 25 
994,955 56 

$17,875,949 94 

$97,846,079 43 



$13,242,871 87 

18,106,512 50 

3,709,000 00 

367,394 39 

56,412,163 41 

8,068 74 

5,909,768 98 

90,299 54 

$97,846,079 43 



Other Assets. 
Interest due and accrued, .... 
Rents due and accrued, .... 
Market value of stocks and bonds, over cost, 
LTncollected premiums on policies in force, 
Deferred premiums on. policies in force, . 

Total, , 

Deduct loading (20 per cent.), . 

Xet arn't of uncollected and deferred prern's, 

Total assets per company's books, . 



$1,104,253 02 

1,635,645 37 

$2,739,898 39 

547,979 68 



428,236 00 

13,108 64 

4,026,278 50 



- 2,191,918 71 
$104,505,621 28 



118 



LIFE INSURANCE COMPANIES [Dec. 31, 
Items not admitted. 



Agents 1 balances, 



$90,299 54 



Total admitted assets, 
Deduct special deposits in other States, t 



1104,415,321 74 

. 2,688,715 33 



Balance, $101,726,006 41 



Liabilities. 

Computed premium reserve or net present value of all out- 
standing policies (actuaries' 4 per cent.), 
Deduct net value of reinsured risks, 



Net reinsurance reserve, . 
Matured endowments due and unpaid, 
Death losses and matured endowments in 

process of adjustment, .... 
Due and unpaid on annuity claims, . 

Total policy claims, .... 
Premiums paid in advance, 

Liabilities as to policy-holders, . 
Deduct liabilities on special deposits, 

Surplus as regards Tontine policy-holders, 
Surplus as regards other policy-holders, . 
Gross surplus, . . 

Gross liabilities, .... 



$88,375,202 00 
434,498 00 

$87,940,704 00 



$40,592 49 

815,916 83 
29,982 52 



$7,705,053 11 
7,843,026 06 



- 886,491 84 

40,046 73 

$88,867,242 57 

. 2,688,715 33 

$36,178,527 24 



15,548,079 17 



$101,726,606 41 



Premium Note Account. 

Premium notes on hand Dec. 31, 1888, . . $378,874 10 

Premium notes received during 1889, . . 141,276 93 

Total, $520,151 03 

Used in payment of losses and claims, . . $22,171 26 
Used in payment of surrendered policies and 

voided by lapse, ...... 22,134 95 

Used in payment of dividends to policy-holders, 980 46 

Redeemed by maker in cash, .... 107,409 97 

Total, 152,756 64 

Balance note assets, Dec. 31, 1889, 1367,394 39 



Whole life, 

Endowment, 

All other, . 

Rev« rsionary additions, 



Policies and Additions in force Dec. 31, 1SSS. 

Number. Amount. Total No. Total Amount 

. 86,043 $289,1.-) 1,KH) 00 

. 37,545 125,497,491 00 

. 6,323 1,062,800 00 

4,172,114 00 

129,911 $419,886,505 00 



1889.] 



OF OTHER STATES. 



Hi) 



Whole life, 
Endowment, 
All other, . 



Policies issued during the Year. 

Number. Amount Total No. Total Amount. 

. 27,619 $105,396,710 00 

. 10,071 89,475,700 00 

1,621 1,174,400 00 
. 39,311 §146,046,810 00 



Whole life, 
Endowment, 



Old Policies revived. 

126 $463,665 00 
296,200 00 



62 



188 



Whole life policies increased, 
Additions by dividends, * . 



759,865 00 

99,813 00 

4,212,600 00 



Total. . 



Whole life, 
Endowment, 

All other, . 



169,410 £571,005,593 00 



Policies terminated during the F< or. 

. 12,558 $48,917,388 00 

. 6,041 22,049,191 00 

431) 4,437,044 00 





19,029 


175,403,623 00 




Row terminated. 


By death. . 


. 1,461 


$5,181,076 00 


maturity, 


610 


1,198.537 00 


expiry. 


264 


22,590 00 


surrender, . 


. 2,307 


12,491,630 00 


lapse, . 


. 7,518 


24,726,814 00 


change and decrease, 


. 


964,875 00 


Xot taken, . 


. 6,869 


30,818,101 00 


Policies in force Dec. 31, 18 S 


Whole life, 


. 101,230 $346,196,900 00 


Endowment, 


. 41,637 


143,220,200 00 


All other, . 


. 7,514 


2,012,000 00 


Reversionary additions, 


. 


4,172,870 00 



19,029 75,403,623 00 



150,381 $495,601,970 00 



Schedule A. 

Securities held as Collateral. 

Market value. 

611 shares Central National Bank, . . . $88,595 00 

20 " Kansas City, St. Louis & Chic R R., 2,000 00 

100 " Western Union, .... 8,325 00 

1000 " Delaware, Lack. & Western R.R., . 67,750 00 

691 " Fourth National Bank, . . . 114,015 00 

1400 " Central National Bank, . . . 203,000 00 

1800 " Evansville & Terre Haute R.R., . 87,300 00 

100 " Manhattan Trust Company, . . 3,600 00 



Amount loaned. 

$60,000 00 
8,000 00 

55,000 00 
209,000 00 

70,000 00 



120 



LIFE INSURANCE COMPANIES [Dec. 31, 



New York, Lake Erie & Western R.R, bonds,. 
Toledo, Ann Arbor & Cadillac Railroad bonds, 
Toledo, Ann Arbor & No. Michigan 11.11. bonds, 
Savannah & Western Railroad bonds, 

WeM Shore Railroad bonds, . " . 
1700 shares Pullman Palace Car Company, 
50 " United States Trust Company, 
800 " Canada Southern Railroad, . 
Northern Pacific Railroad bonds, 
Philadelphia & Reading Railroad bonds, . 
New York, Ontario & Western Railroad bonds 
400 shares Western Union Telegraph Co , 
200 " Chic., St. Paul, Minn. & Om. R.R , 
100 " Michigan Central Railroad, . 
100 " Cleve., Cin., Chic & St. Louis R.R., 
100 " Lake Shore Railroad, 
100 " Mil., Lake Shore & Western R R., 
200 " Canada Southern Railroad, 
300 " Chic, Rock Island & Pacific R.R , 
400 " Lake Erie & Western Railroad, 
300 '" Central Railroad of New Jersey, 
200 " Western Union Telegraph Co , 
300' " St. Paul, Minn. & Manitoba R R , 
200 " Missouri Pacific Railroad, 
Western Union Telegraph Company bonds, 
Metropolitan Elevated Railroad bonds, . 
Chicago & Tomah Railroad bonds, . 
Lake Shore & Michigan Southern R.R. bonds 
Xew York Elevated Railroad bonds, 
Philadelphia & Reading Railroad bonds, . 
Missouri Pacific Railroad bonds, 
Chicago, Milwaukee & St Paul R.R. bonds, 
205 shares American Tel. and Cable Co., 
600 " Chicago & Alton Railroad, . 
400 " Lake Shore Railroad, 
200 " Delaware, Lack. & Western R.R , 
100 " N. Y., New Haven & Hartford R.R 
Wabash Railroad bonds, .... 
Hannibal & St. Joseph Railroad bonds, . 
1000 shares Delaware, Lack. & Western R R. 
200 " Chicago, Mil. & St. Paul Railroad 
724 " .Mercantile National Rank, . 
.Milwaukee & Northern Railroad bonds, . 

International & Great Northern R.R bonds, 

Rome, Watertown & Ogdonsburg MM bonds 
Flint & Pere Marquette Railroad bonds, . 
L80 shares si. Nicholas Bank, . 

hares New York Security and Trust Co, 



Market value. 

$5,025 00 
31,200 00 
85,485 00 

245,000 00 

211,000 00 

317,900 00 
37,000 00>| 
44,000 00 
11,750 00 
7,800 00 
12,320 00 
33,300 00 j> 
19,400 00 
9,450 00 
7,000 00 
10,450 00 
11,500 00 
11,000 00 \ 
29,100 00 
25,000 00 
37,800 00 
16,650 00 
33,600 00 
14,400 00 
16,480 00 J 

116,000 00 ^ 
33,600 00 

127,000 00 
57,750 00 

180,400 00 
49,000 00 
27,040 00 
17,220 00 
79,200 00 ) 
41,800 00 S 
13,550 00 •) 
24,500 00 i 
23,345 00 ) 
35,850 00 \ 
67,750 00 i 
13,900 00 ) 

155,660 00 
5,500 00 ^ 
10,950 00 | 
10,800 00 y 
12,480 00 j 
23,760 00 j 
8,900 00 



Amount loaned. 
§ 100,000 00 

200,000 00 
400,000 00 



150,000 00 



)> 150,000 00 



500,000 00 



100,000 00 

50,000 00 

100,000 00 

120,000 00 

50,000 00 

6,000 00 



1889.] 



OF OTHER STATES. 



121 



Canada Southern Railroad bonds, 

\\Y-t Shore Railroad bonds. 

Metropolitan Elevated Railroad bonds, . 

I Hi do, St. Louis & Kansas < lity R R. bonds, 

Buffalo & Erie Railroad bond-. 

Chicago, Milwaukee & St. Pan! Railroad bonds 

New York Elevated Railroad bonds, 

St. Louis & San Francisco Railroad bonds, 

Chicago, Milwaukee & St. Paul Railroad bonds 

Ohio Southern Railroad bond-. 

W( -tern Union Telegraph Company bond-. 

New Y"rk A: New England Railroad bonds, 

Chicago A: Southwestern Railroad bonds, 

Burl., Cedar Rapids & Northern R R. bond-. 

Chicago, Rock Island & Pacific R R. bonds, 

_-. >n Transcontinental Railroad bond-. 
St. Louis & San Francisco Railroad bond-. 
Pullman Palace Car Company Railroad bonds 
Baltimore & Ohio Railroad bonds, . 
Chicago, Burlington & Quincy Railroad bonds 
Erie Railroad bond-. .... 
Central Pacific Railroad bonds. 
Missouri Pacific Railroad bonds, 
Northern Pacific Railroad bonds, 
Oregon Improvement Company bonds, 
Chesapeake A- Ohio Railroad bond-. 
Chicago, Milwaukee & St. Paul Railroad bonds 
Wabash Railroad bonds. .... 
Morris & Essex Railroad bonds, 
Housatonic Railroad bonds, 

22 shares Chicago, Burl. & Quincy R.R., 
100 " Oregon R'v and Navigation Co., 
100 " Western Union Telegraph Co., 

34 " American Express Company. 

50 " Chicago & Northwestern R.R , 
400 " Delaware, Lack. & Western R.R., 
2100 " Delaware and Hudson Canal Co., 
Chicago, Milwaukee & St. Paul Railroad bonds 
Central Railroad of Xew Jersey bonds, . 
Kansas Pacific Railroad bonds, 
Chicago. Milwaukee & St. Paul Railroad bonds 
Central Railroad of Xew Jersey bonds, . 
Kentucky Central Railroad bonds, . 
Chicago, Burlington & Quincy Railroad bonds, 
St. Paul, Minneapolis & Manitoba R.R. bonds, 
800 shares Chicago & Northwestern Railroad, 
200 " Chicago, Mil. & St. Paul Railroad, . 
100 t; Cleve., Col., Cm. & St. Louis R.R., . 



Market value. 

118,382 00 ^ 

3,157 00 

2,105 00 

1,000 00 

2,700 00 

7,020 00 

1,170 00 

1,120 00 

1,055 00 

2,180 00 

3,090 00 

2,500 00 

2,800 00 

2,400 00 

3,210 00 

1,030 00 

2,400 00 

6,000 00 

2,180 00 

950 00 

2360 00 

1,020 00 

2,180 00 

1,020 00 

1,020 00 

'0 00 

2,000 00 

3,030 00 

2,890 00 

10,600 00 

2,343 00 

9,900 00 

8.325 00 

3,876 00 

5,550 00 

27,100 00 J 

309,750 00 

71,960 00 

36,600 00 

12,155 00 

156,750 001 

168,750 00 

127,500 00 

114,375 00 j 

30,100 00 J 

88,800 00 \ 

22,800 00 S 

9.800 00 ) 



Amount loaned. 



I $125,000 00 



250,000 00 
100,000 CO 

500,000 00 

100,000 00 



122 



LIFE INSURANCE COMPANIES [Dec. 31, 



( !hicago, Milwaukee & St. Paul Railroad bonds, 
Ohio & Mississippi Railroad bonds,. 
Bannibal & St. Joseph Railroad bonds, . 

Lake Shore & Michigan Southern R R. bonds, 
50 shares New York Security and Trust Co., . 
100 " Chicago & Northwestern Railroad, 
100 u Illinois Central Railroad, 
200 " Chicago, Rock Island & Pacific UK, 
20 " Delaware, Lack. & Western RR, . 
20 " Chicago, Burlington & Quincy R R , 
Milwaukee, Lake Shore & Western R R. bonds, 
Milwaukee & Northern Railroad bonds, . 
Milwaukee & Northern Railroad bonds, . 
Chesapeake & Ohio Railroad bonds, 



Schedule B. 



Market value. Amount loaned. 

$113,080 00^ 
87,750 00 j 
20,315 00 f • 200 » 000 00 



25,000 00 J 

8,900 00 

11,100 00^ 

11,750 00 

19,500 00 

1,355 00 

2,130 00 y 

51,000 00 

15,400 00 

7,630 00 

2,000 00 



6,000 00 



100,000 00 



$ 4,67 1,563 00 $3,709,000 00 



Stocks and Bonds owned by the 



United States bonds, . 
Alabama State bonds, 
Georgia State bonds, . 
Mississippi State bonds, . 
South Carolina State bonds, 
Tennessee State bonds, 
Callaway County, Mo., bonds, . 
Custer County, Mon , bonds, 
Dallas city, Tex , bonds, . 
Elizabeth City, N. J., bonds, 
Flatbush, N. Y , water bonds, , 
Flushing, N. Y., bonds, 
Galveston city, Tex, bonds, 
Jersey City, N.J, bonds, . 
Jefferson County, Ala , bonds, . 
Montgomery city, Ala . bonds, . 
Memphis city, Tenn., bonds, 
New York eity and county bonds, 
Newark, N. J , bonds. 
Nashville cit}', Tenn., bonds, . 
North Knoxville city, Tenn., bonds, 
Ottawa city, Can., bonds, . 
Omaha city, Neb , lends, . 
Petersburg city, Ya., bonds, 
Richmond city, Va , bonds, 
St Raul, Minn . bonds, 
San Antonio, Tex , bonds, 
Albany iV- Susquehanna Railroad bo 
Atlantic & Gulf Railroad bonds, 



ids, 



Company. 

Cost. 

$786,009 59 

36,100 00 

1,500 00 

19,600 00 

27,624 37 

294,370 00 

125,000 00 

48,767 50 

205,131 25 

304,650 00 

19,600 00 

22,108 00 

173,730 00 

401,616 40 

199,069 00 

99,799 70 

103,850 00 

123,097 70 

717,984 19 

300,000 00 

100,000 00 

109,467 70 

59,064 10 

30,750 00 

10.250 00 

214,820 40 

185,995 00 

906,566 57 

10,279 80 



Market value. 

$22,900 00 

49,680 00 

1,500 00 

19,600 00 

31,412 43 

294,370 00 

125,000 00 

48,767 50 

205,131 25 

304,650 00 

22,000 00 

25,210 00 

174,270 83 

436,476 67 

199,069 00 

99,799 70 

103,850 00 

146,959 58 

786,546 67 

300,000 00 

100,000 00 

109,467 70 

59,064 10 

33,150 00 

68,500 00 

289,648 38 

185,995 00 

998,877 50 

10,279 80 



J9.] 



OF OTHER STATES. 



123 



Bm'lingtOD, Cedar Rap <N: Xorth'n R II. bonds 
Boston, Hoosac Tunnel & Western R.R. bonds 
Buffalo, Bradford & Pittsburg Railroad bonds 
Cedar Rap, Iowa Falls & Northw'n R R. bonds 
Chicago, Milwaukee & St. Paul Railroad bonds 
Chicago & Northwestern Railroad bonds, 
Chicago, St. Paul, Minn & Omaha R.R. bonds 
Chicago & Western Indiana Railroad bonds, 
Chicago & Eastern Illinois Railroad bonds, 
Chicago & St. Louis Railroad bonds, 
Chicago, Rock Island A Pacific Railroad bonds 
Cincinnati, Lafayette & Chicago R.R. bonds, 
Cleve M Col , Cin. & Indianapolis R B bonds, 
Canadian Pacific Railroad bonds, 
Central R.R & Banking Co. of Georgia bonds 
Central Railroad of N*ew Jersey bonds, . 
Denver & Rio Grande Railroad bonds, 
Detroit. Bay City & Alpena Railroad bonds, 
Kvansville & Indianapolis Railroad bonds, 
Evansville & Terre Haute Railroad bonds. 
Eas1 Tennessee, Virginia & Georgia R R bonds 
Flint & Pere Marquette Railroad bond-. . 
Fremont, Elkhorn & Missouri Val R R. bonds 
Gulf, Colorado & Sante Fe Railroad bond-. 
Indianapolis & St. Louis Railroad bond-. 
Iowa Midland Railroad bonds, 
Kan City, St Jo & Council Bluffs R.R bonds, 
Lake Shore & Michigan Southern R R bonds 
Louisiana & Western Railroad bonds, 
Louisville & Frankfort Ra lroad bonds, . 
Mahoning Coal Railroad bonds, 
Metropolitan Elevated R.R , New York, bonds 
Memphis & Charleston Railroad bonds, . 
Michigan Central Railroad bonds, . 
Minneapolis & St Louis Railroad bonds, . 
Minneapolis Union Railroad bonds. . 
Morgan's Louisiana & Texas R.R. & S S bonds 
Mobile & Girard Railroad bonds, 
Midland Railroad of New Jersey bonds, . 
Missouri Pacific Railroad bonds, 
New York Elevated Railroad bonds, 
Xew Mexico & Southern Pacific R.R. bonds, 
New York Central & Hudson River R R. bonds 
New York & Harlem Railroad bonds, 
New York, Lake Erie & Western R R. bonds, 
New York, Ontario & Western R R. bonds, 
New Y^ork, Lackawanna & Western R R. bonds 
New York, Susquehanna & West'n R.R. bonds 
Nashville, Chattanooga & St Louis R R. bonds 



Cost. 

f 169,952 50 
184,866 67 

76,085 2) 
4-17,065 00 
740,099 59 
3,606,350 02 
1,196,964 16 
l,i)i>6,028 33 
179,157 50 
279,673 10 
261,362 50 
191,996 10 
1,806,712 60 
827,382 96 
1,068,286 67 
2,343,824 35 
243,423 33 
162,000 00 
676,587 00 
842,890 00 
488,832 83 
118,990 00 
1,096,573 <C, 
1,299,500 00 
156,481 25 
63,166 11 
161,889 00 
2,652,677 00 
314,670 00 
55,945 00 
362,028 28 
319,099 69 
304,930 00 
58,406 67 
165,000 00 
500,000 00 
831,207 47 
155,152 50 
269,610 00 
1,090,000 00 
795,579 26 
129,662 50 
1,014,172 81 
1,047,641 67 
2,361,080 70 
426,895 10 
1,603,549 32 
225,000 00 
338,360 00 



Market value. 

$179,692 50 
186,266 67 

7«;, 085 20 
483,875*00 
759,332 50 
3,781,812 50 
1,265,250 00 
1,111,500 00 
189,420 00 
279,673 10 
261,562 50 
191,996 10 
1,5 11,360 00 
830,213 75 
1,073,286 67 
2,547,330 00 
268,733 33 
162,000 00 
709,410 00 
342,390 00 
513,416 67 
118,990 00 
1,101,660 00 
1,299,500 00 
162,075 00 
63,166 11 
161,889 00 
2,776,458 33 
321,000 00 
57,250 00 
426,000 00 
361,927 50 
306,250 00 
61,916 67 
165,000 00 
537,500 00 
832,365 00 
160,416 67 
283,750 00 
1,090,000 00 
796,860 00 
129,662 50 
1,285,000 00 
1,250,833 33 
2,678,333 33 
459,800 00 
1,965,000 00 
238,750 00 
349,125 00 



124 



LIFE INSURANCE COMPANIES [Dec. 31, 



Northern Pacific Railroad bonds, 
Northern Pacific Terminal Railroad bonds, 

Northern Illinois Railroad bonds, 
Northwestern Grand Trunk Railroad bonds, 

Ohio, Indiana & Western Railroad bonds, 

Ottawa & Burlington Railroad bonds, 
Peoria. Decatur <Sr Eransville Railroad bonds 
Philadelphia & Reading Railroad bonds, 
Pueblo & Arkansas Valley Railroad bonds, 
Rensselaer & Saratoga Railroad bonds, . 
Rochester & Pittsburg Railroad bonds, . 
South Carolina Railroad bonds, 
St. Paul, Minneapolis & Manitoba R R. bonds, 
St. Paul & Northern Pacific Railroad bonds, . 
Savannah. Florida & Western Railroad bonds, 
Taylor's Falls & Lake Superior Railroad bonds, 
Texas & New Orleans Railroad bonds, . 
Virginia & Tennessee Railroad bonds, 
West Shore Railroad bonds, 
Wheeling & Lake Erie Railroad bonds, . 
American Safe Deposit Company bonds, . 
American Dock and Improvement Co. bonds, 
( Ihateaugay Ore and Iron Co., New York, bonds, 
Delaware and Hudson Canal Company bonds, 
Equitable Gas Light Co. of New York bonds, 
Equitable Gas Light Co. of Baltimore bonds, 
New York Mutual Gas Light Company bonds 
People's Gas Light Company of Chicago bonds 
St. Paul, Minn., Gas Light Company bonds, 
Western Transit Company bonds, . 
French rentes, ...... 

Hungarian government bonds, . # 

Italian government bonds, 

Russian government bonds, 

Swiss government bonds, . 

Swedish government bonds, 

Wurteniburg government bonds, 

American Exchange Bank, New York, stock, 

Merchants 1 Bank, New York, stock, 

Bank of Republic, New York, stock, 

Bank of America, New York, stock, 

Third National Bank, New York, stock, . 

Chicago ^v Northwestern Railroad slock, 

Delaware, Lackawanna & Western 1! R. Stock 

Manhattan Safe Deposit Company stock. 

New York Security and Trust Co., N.Y., stock 

Valley Railroad stock, .... 



Cost. 

$1,233,304 83 
500,000 00 
706,090 00 

24,348 00 
308,010 00 
182,437 50 
110,910 00 
238,090 00 

43,400 00 
9,519 92 

72,384 00 
188,055 00 
2,215,660 00 
745,000 00 
219,880 00 
212,037 00 
317,195 83 

67,280 00 

2,358,104 38 

380,960 00 

54,865 00 
321,484 45 
499,080 00 
366,936 45 

153.374 00 
219,460 03 

38,000 00 

568.375 00 
311,042 50 

90,765 00 

19,288 42 

99,548 25 

3,424 38 

446,286 62 

19,049 14 

95,398 50 

47,913 39 

10,025 00 

11,112 58 

907 50 

8,484 00 

110,000 00 

1,488,389 58 

528,928 12 

197,100 00 

777,750 00 

602,500 00 



Market value. 

$1,320,000 00 

517,500 00 

744,333 33 

24,348 00 

308,010 00 

182,437 50 

110,910 00 

238,690 00 

45,400 00 

13,035 00 

73,775 00 

193,030 00 

2-,245,500 00 

900,000 00 

219,880 00 

212,037 00 

322,855 83 

70,180 00 

2,446,250 00 

405,000 00 

54,865 00 

348,820 00 

499,080 00 

411,990 00 

153,374 00 

237,120 00 

38,000 00 

652,600 00 

319,800 00 

90,825 00 

19,298 98 

99,548 25 

3,424 38 

446,286 62 

19,049 14 

95,398 50 

.47,913 39 

15,000 00 

14,025 00 

1,870 00 

14,476 00 

115,000 00 

1,593,300 00 

675,000 00 

197,100 00 

884,850 00 

550,000 00 



$56,412,163 41 $60,438,441 91 






OF OTHEB STATES. 



125 



NORTHWESTERN MUTUAL LIFE - SiPANY," 

MILWAUKEE, WIS 

[Incorporated March, ISoT. Commenced business Xov. 25, ISoS.] 

H. L P.w.mei:. /'■ J. W. Skinnek. Secretary. 

IN« ' 'ME. 

premiums without deduct] 



Renewal premium- 

Premiums paid by surrendered polieies, 

Total premium income, 
1 - r inter 

a discount on claims paid in advance, 
rents t company's pr 

\il income 

t or ledger assets, Dee. 31, 1888 

Tot 

Pi- - MENT-. 

$h paid for losses and addition- 

Premium notes or loans used in payment of saint. 
< sh paid for matured endowments and addi* 
Premium notes or loans used in payment of sam» 

Gross amount paid for losses and endowments, 

I sh paid for surrendered policies 

Premium notes or loans used in purchase of surrendered 

policies and voided by la; 

1 . surrender values applied in payment of premiums, 
- paid policy-holders applied in payment 

premiums 

Premium notes or loans used in payment of dividends, 



- 

>,093 02 
127,257 

|7* 17,1 I 

- : 

2,122 :' 

1 52 . . 

- 7 >,458 87 
31 . 

42 



Total paid policy-holders 

Cash paid for commissions to agei 

for salaries and travelling expenses of agents 

for medical examine 3 fees, . 

for salaries of officers and office enipl 

for 

for rent 

for commuting comn 

for furniture and office fixtures. 

for advertising, 

for incidentals 

;tl disbursement • 

Balance, 



3 96 

5 89 
44 - 

19,173 99 

|2, 1 66 49 

7, 2 91 

1-2.747 19 

127.257 13 

87, 2 . 

£3,542.121 79 

1 -3,968 61 

22,68 57 

86,656 42 

141,317 97 

99,820 97 

:. :•:•: _ 

11.727 04 

..:-. - 

6,791 7 

261,39. - 

15,260,845 61 

e35.o43.7SS SI 



126 



LIFE INSURANCE COMPANIES [Doc. 31, 



Invested in the following: — 

Assets as per Ledger Accounts 
Cost value of real estate, 

Loan- <m mortgage of real estate (first liens), 
Premium notes or loans on policies in force, . 
Par value of stocks and bonds owned (schedule A) 
Cash in company's office, . 

in transit (since received), 

deposited in bank, . 
Bills receivable, 
Agents' ledger balances, . 

Ledger assets (as per balance), 

Other Assets. 

Interest due and accrued, 

Rents due and accrued, 

Market value of stocks and bonds, over par, .... 
Uncollected premiums on policies in force, . §387,873 00 
Deferred premiums on policies in force, . . 079,449 00 



$1,188,630 60 

30,033,434 13 

702,541 99 

1,931,100 00 

77,920 39 

208,458 49 

1,492,713 30 

149 75 

8,790 10 



$35,643,738 81 

465,471 69 

8,043 10 

145,757 71 



Total, f 1,067,322 00 

Deduct loading (20 per cent ) 213,463 00 

Net am't of uncollected and deferred prem's, . 

Total assets per company's books, .... 



853,859 00 
$37,116,870 31 



Items not admitted. 



Agents' balances, 

Bills receivable, 

Total, . 



5,790 16 
149 75 



8,939 91 



Total admitted assets, 
Deduct special deposits in other States, 



Balance, 



$37,107,930 40 
128,750 00 

$36,979,180 40 



Liabilities. 

Computed premium reserve or net present value of all out- 
standing policies (actuaries 1 4 per cent.), 

Death losses and matured endowments in 
process of adjustment, . 

Claims resisted by the company, 
Total policy claims, . 

Unpaid dividends or surplus due policy-holders, 

Premiums paid in advance, 

Accrued commissions, 

Reserve for paid-up insurance, . 



$31,186,577 00 



$174,975 98 
14,000 00 



188,975 98 

10,000 00 

2,000 00 

10,000 00 

119,160 00 



Liabilities as to policy-holders, 
Deduct liabilities on special deposits, 



$31,516,712 98 
128,750 00 

$31,387,962 98 



1889.] 



OF OTHER STATES. 



127 



Surplus due to Toutine stipulations (being only 
a part o\' the undivided surplus derived from 
Tontine and semi-Tontine policies), 

General surplus, 

Gross surplus, 



£1,316,785 46 
4,274,431 96 



Gross liabilities, 



- $5,591,217 42 
$36,979,180 40 



Premium Note Account. 



Premium notes on hand Dec. 31, 1888, 
Premium notes received during 1889, 

Total 

Used in payment of losses and claims, 

Used in payment of surrendered policies and 

voided by lapse 

Used in payment of dividends to policy-holders 
Redeemed by maker in cash, . 

Total, 

Balance note assets, Dec. 31, 1889, . 



$789,801 70 
80,617 75 

$48,309 88 

12,747 19 
87,692 42 
19,127 97 



170,419 45 



167,877 46 
$702,541 99 



Exhibit of Policies. 

Policies and Additions in force Dec. 31, 188 S. 

Number. Amount. Total No. Total Amount. 

Whole life, . . . 57,163 $135,752,151 00 

Endowment, . . . 15,538 33,122,451 00 

All other, .... 429 3,644,289 00 

73,130 $172,518,891 00 



Whole life, 
Endowment, 
All other, . 



Policies issued during the Year. 

. 15,166 $39,867,553 00 

. 3,239 7,325,823 00 

246 864,703 00 



18,651 48,058,079 00 



Whole life, 
Endowment, 
All other, . 



Old Policies revived. 

259 $686,665 00' 

83 210,875 00 

7,666 00 



342 



905,206 00 



Whole life, 
Endowment, 
All other, . 

Additions by dividends, 



Old Policies increased. 

18 
2 
1 $175,896 00 



21 



175,896 00 
2,638,299 00 



Total, 92,144 $224,296,371 00 



128 



LIFE INSURANCE COMPANIES [Dec. 31, 



Policies terminated during the Year. 

Number. Amount. Total No. 

Whole Life, . . . 5,874 $14,960,238 00 
Endowment, . . . 1,773 8,705,240 00 

All other, .... 1C8 3,224,970 00 



Total Amount. 







7,815 


$21,890,448 00 






How terminated. 


By death, . 




710 


£1,840,903 00 


maturity, 




281 


467,215 00 


expiry,. 




96 


2,858,633 00 


surrender, 


. 


684 


1,528,299 00 


lapse, . 


. 


4,235 


9,459,054 00 


change and c 


ecrease, . 


- 


283,355 00 


Xot taken, . 


• 


1,809 


5,452,989 00 

TQIn ooi QQA 1 1Q OH 






/jOlU <f — 1,0 JU,-t-±o (J\J 




Policies in force Dec. 31, 1889. 


Whole life, 


. 


66,732 


1161,415,548 00 


Endowment, 


. . 


17,089 


37,008,668 00 


All other, . 


• 


508 


3,981,707 00 
84,329 |202,405,923 00 



Schedule A. 

Slocks and Bonds owned by the Company. 



United States bonds, . 
Missouri State bonds, 
Georgia State bonds, 
Minnesota State bonds, 
Kansas City bonds, . 
St. Louis city bonds, . 
Sheboygan, Wis , city bonds, 
Beloit, Wis , city bonds, . 
Milwaukee, Wis ., city bonds, 
Omaha, Neb., city bonds, . 
Springfield, 111., city bonds, 
(arlinsville, 111., city bonds, 
Morrison, 111., city bonds, . 
Stevens Point, Wis., city bonds 
Dubuque, la., city bonds, . 
Alton, 111., city bonds, 
Wyandotte, Kan , city bonds, 
Albion, Mich., city bonds, . 
Milwaukee, Wis , city bonds, 
Chippewa, Wis., county bonds, 
Buffalo, Wis , county bonds, 
Pickawa, Wis , county bonds, 
Mercer, ()., county bonds, . 
Dodge, Wis., county bonds, 

Elwood, Wis., town bonds, 



Par value. 

$115,000 00 

2,000 00 

12,000 00 

53,000 00 

75,000 00 

96,000 00 

53,000 00 

44,000 00 

550,000 00 

397,000 00 

12,700 00 

4,000 00 

3,000 CO 

2,000 00 

48,400 00 

10,000 00 

94,000 00 

50,000 00 

88,000 00 

15,000 00 

19,000 00 

50,000 00 

68,500 00 

50,000 00 

19,500 00 



Market value. 

$134,018 75 

2,110 00 

12,510 00 

55,385 00 

85,333 33 

101,200 00 
56,543 33 
47,275 55 

569,550 00 

434,175 00 

13,546 67 

4,180 00 

3,165 00 

2,1 53 33 

50,174 67 

11,833 33 

102,930 00 
53,250 00 
98,1 20 00 
16,350 00 
20,615 00 
53,500 00 
7:5,980 00 
52,750 00 
22,208 75 



$1,931,100 00 $2,076,857 71 



L889.] 



OF OTHER STATES. 



129 



"THE PENN MUTUAL LIFE INSURANCE COMPANY," 
PHILADELPHIA, PA. 

[Incorporated Feb. '24, 1847. Commenced business May 25, 1847.] 

Edward M. Needles, President. Henry C. Brown, Secretary. 



Income 
New premiums without deductions, . 
Renewal premiums, .... 
Cash received for annuities, 

Total, 

Deduct amount paid for reinsurance, 

Total premium income, 
Cash received for interest, 

for rents of company's property, 
for profits on securities sold, 
from all other sources, 

Total income, 

Net or ledger assets, Dec. 31, 1888, . 

Total, 

Disbursements. 

Cash paid for losses and additions, . 
Premium notes or loans used in payment of same, . 
(ash paid for matured endowments and additions, . 
Premium notes or loans used in payment of same, . 

Gross amount paid for losses and endowments, 
Received for losses and claims on policies reinsured, 

Net amount paid for losses and endowments, . 

Cash paid to annuitants, 

Cash paid for surrendered policies, .... 
Premium notes or loans used in purchase of surrendered 

policies and voided by lapse, 

Cash dividends paid policy-holders, $8,181.76 ; applied in pay 

rnent of premiums, $461,356.52, ..... 
Premium notes or loans used in payment of dividends, . 

Total paid policy-holders, 

Cash paid for commissions to agents, .... 
for salaries and travelling expenses of agents, 
for medical examiner's fees, .... 
for salaries of officers and office employees, . 
for taxes and fees, . . . . 



$801,588 55 

2,277,397 86 

10,204 35 

$3,089,190 76 
4,628 20 

$3,084,562 56 

768,130 62 

14,046 06 

40,753 75 

950 09 

$3,908,443 08 
12,951,924 04 

$16,860,367 12 



$837,321 15 

25,520 85 

165,501 06 

14,796 94 

$1,043,140 00 
2,000 00 

$1,041,140 00 

90 12 

2.08,949 43 

7,484 26 

469,538 28 
62,845 26 

$1,790,047 35 

346,354 62 

126,407 92 

41,091 18 

73,903 54 

90,211 70 



130 



LIFE INSURANCE COMPANIES [Dec. 31, 



( !asb paid for rent, 

for furniture and office fixtures, 
for advertising, printing, etc., . 
for incidentals, .... 

Total disbursements, .... 



Ba'ance, 



Invested in the following: — 

Assets as per Ledger Accounts 

Cost value of real estate, 

Loans on mortgage of real estate (first liens), 
on eol lateral security (schedule A), 
on company's policies assigned as collateral, 

Premium notes or loans on policies in force, . 

Cost value of stocks and bonds owned (schedule B), 

( lash in company's office, . 

Cash deposited in bank, . 

Bills receivable secured, . 

Agents* ledger balances secured, 

Sundry accounts, .... 

Ledger assets (as per balance), 



|24,821 86 

2,925 95 
26,448 74 
39,757 12 

. |2,561,969 98 

114,298,397 14 



8813,808 88 

4,499,206 24 

1,493,216 98 

443,482 00 

555,061 59 

6,260,161 15 

1,375 74 

151,500 00 

57,217 79 

5,137 07 

18,229 70 

14,298,397 14 



Other Assets. 
Interest due and accrued, .... 
Rents due and accrued, .... 
Market value of stocks and bonds, over cost, 
Uncollected premiums on policies in force, 
Deferred premiums on policies in force, . 

Total, 

Deduct loading (20 per cent ), . 

Net am't of uncollected and deferred prem's, 

Total assets per company's books, . 



$233,317 26 
270,690 14 

$504,007 40 
100,801 48 



106,017 62 

4,470 70 

361,986 85 



403,205 92 
$15,174,078 23 



Items not admitted. 



Sundry accounts, 



Total admitted assets, 
Deduct special deposits in other States, 



Balance, 



18,229 70 

$15,155,848 53 

12,600 00 

$15,143,248 53 



Liabilities. 
Computed premium reserve or net present value of all out- 
standing policies (actuaries 1 4 per cent ), . . . $12,825,735 00 
Deduct net value of reinsured risks, 65,010 00 



Net reinsurance reserve, . 



$12,760,725 00 



1889.] 



OF OTIIKR STATES. 



131 



Death losses and matured endowments in process of adjust- 
ment, ........ 

Unpaid dividends of surplus duo policy-holders, 
Life rate endowment fund, .... 

Premiums paid in advance, .... 

Outstanding scrip, 

Liabilities as to policy-holders, . 
Deduct liabilities on special deposits, 



Surplus as regards special policy-holders, 

Surplus as regards other policy-holders, . 

Gross surplus, 

Gross liabilities, 



$115,125 00 

44,768 08 

384,301 81 

7,836 05 

8,680 00 

$13,321,436 84 
11,899 00 

$13,309,537 84 



$72,729 31 
1,760,981 38 



- 1,833,710 69 
$15,143,248 53 



Premium Note Account. 



Premium notes on hand Dec. 81, 1888, 
Premium notes received during 1889, 

Total 

Used in payment of losses and claims, . 
Used in payment of surrendered policies and 

voided by lapse, 

Used in payment of dividends to policy-holders, 
Redeemed by maker in cash, .... 

Total, 

Balance note assets, Dec. 31, 1889, . 



5572,448 99 
117,818 87 



,317 79 



21,236 78 
62,815 26 
10,806 44 



§690,267 86 



135,206 27 
$555,061 59 



Whole life, 
Endowment, 
All other, . 
Reversionary additions, 



Exhibit of Policies. 

Policies and Additions in force Bee. 31, 1888. 

Number. Amount. Total No. Total Amount. 

. 18,592 §48,915,338 00 

. 8,544 17,730,420 00 

578 1,495,955 00 

231,169 00 



27,714 



,372,882 00 



Whole life, 
Endowment, 
All other, . 



Policies issued during the Year. 

. 3,973 $11,351,435 00 

. 2,232 5,782,412 00 

105 340,150 00 



6,310 17,473,997 00 



Whole life, 
Endowment, 
All other, . 



Old Policies revived. 

68 $112,668 00 
151 128,557 00 

256 563,884 00 



475 



805,109 00 



132 



LIFE INSURANCE COMPANIES |"Dec.31, 



Old Policies changed and increased. 



Whole life, 
Endowment, 
All other, . 

Additions by dividends, 
Total, . 



Number. 

10 
3 
2 



Amount. Total No. 

$26,690 00 
41,500 00 
7,429 00 
15 



Total Amount. 



$75,619 00 
63,275 00 



34,514 $86,790,882 00 



Policies terminated during the Year. 
Whole life, . . . 1,886 $4,866,257 00 
Endowment, . . .997 2,256,124 00 
All other, .... 223 598,921 00 





3,106 


$7,721,302 00 








How terminated. 






By death, . 


346 


$910,665 00 






maturity, 


77 


180,298 00 






expiry, . 


96 


210,250 00 






surrender, 


391 


988,371 00 






lapse, . 


. 1,499 


3,238,042 00 






change and decrease, 


14 


292,576 00 






Not taken, . 


683 


1,901,100 00 


3,106 


7,721,302 00 



Policies in force Dec. 31, 1889. 



Whole life, 
Endowment, 
All other, . 
Reversionary additions, 



20,757 $55,539,874 00 

9,933 21,426,765 00 

718 1,817,820 00 

285,121 00 



31,408 $79,069,580 00 



Schedule A. 

Securities held as Collateral. 



Life insurance policy assigned, 
Shenandoah Iron Co. receiver's certificates, 
Northern Central Railroad bonds, . 
City Water Company, Austin, Tex., bonds, 
Jacksonville, Tampa & Key West R.R. bonds 
Hot Springs, Ark., Water Company bonds, 
1800 shares Hot Springs, Ark., Water Co., 
Hot Springs, Ark., certificates, 
Austin,*Tex , Water, Light & Power Co. bonds 
Wilkesbarre & Western Railroad bonds, 
Savannah, Americus & Monfg R.R. bonds, 
Minnesota Title Insurance and Trust Co. stock, 



Market value. 

$5,511 00 

3,715 50 

1,100 00 

2,200 00 

169,000 00 

45,000 00- 

45,000 00 

14,448 74. 

57,000 00 

31,500 00 

270,000 00 

31,500 00 



Amount loaned. 

$5,000 00 
3,715 50 

2,800 00 
130,445 00 

33,456 48 

30,000 00 

25,000 00 

200,000 00 

24,000 00 



1889.] 



OF OTHER STATES. 



133 



Hudson Riv. Water Power and Paper Co. bonds 
Life policies assigned, .... 
Minnesota Title Insurance and Trust Co. stock 
Roanoke & Southern Railroad bonds, 
Sioux City Street Railway bonds, . 
Sioux City Street Railway stock, 
Minnesota Title Ins and Trust Co. stock, 
Lynchburg & Durham Railroad bonds, 
Marietta & North Georgia Railroad bonds, 
Press Company stock, .... 
Argentine, Kan., Water & Electric Co. bonds 
1098 shares Hutchinson W. L. and Tel. Co , 
496 " Street Railway Company, 
970 " Gas Light and Fuel Company, 
Hutchinson W. L. and Tel. Company bonds, 
Canton & Waynesburg Railroad bonds, . 
Anniston & Cincinnati Railroad bonds, . 
Western N Y. & Pennsylvania R R. bonds, 
Milwaukee, Lake Shore & Western R.R bonds 
New York Central & Hudson River R.R. bonds 
Keokuk & Des Moines Railroad bonds, 
Jefferson Railroad bonds, 
Pittsburg & Western Railroad bonds, 
Boston United Gas Company bonds, 
Mortgages assigned, 



Market value. 

$15,000 00 
1,084 80 
26,250 00 
135,000 00 
166,000 00 7 
150,000 00 S 

26,250 00 
120,600 00 
64,680 00 
10,000 00 
18,000 00 
38,430 00^ 



Amount loaned. 

|15,000 00 

20,000 00 
100,000 00 

75,000 00 

20,000 00 

100,000 00 

53,500 00 

6,300 00 

16,000 00 



44,640 00 I 



24,250 00 ( 
27,000 00 J 
112,500 00 
59,850 00 
22,080 00^ 
2,460 00 
2,600 00 
3,000 00 J, 
1,050 00 
19,600 00 
35,880 00 
973,000 00 



)■ 75,000 00 



60,000 00 
50,000 00 



75,000 00 



373,000 00 



!,775,180 04 $1,493,216 98 



Schedule B. 

Stocks and Bonds owned by the 



United States bonds, 

Pennsylvania Railroad bonds, . 
American Steamship Company bonds, 
Pennsylvania Equipment Trust certificates, 
Northern Central Railway bonds, . 
North Pennsylvania Railroad bonds, 
Phoenix Iron Company bonds, . 
Allentown, Pa , Passenger Railway bonds, 
Carthage & Adirondack, N. Y , Railway bonds 
Illinois & St. Louis R.R. & Coal Co. bonds, 
Venice & Carondelet Railway bonds, 
Jacksonville South Eastern, 111 , R'y bonds, 
Minneapolis & St. Louis Railroad bonds, 
Minneapolis & Duluth Railroad bonds, . 
Terre Haute & Logansport Railroad bond, 
Columbus & Cin., O., Midland R.R. bonds, 
Grand Rapids & Indiana Railroad bonds, 
Marietta & North Georgia Railroad bonds, 



Company. 

Par value. 

$110,000 00 

206,000 00 

25,000 00 

100,000 00 

110,000 00 

100,000 00 

65,000 00 

75,000 00 

63,000 00 

100,000 00 

200,000 00 

50,000 00 

100,000 00 

50,000 00 

99,000 00 

150,000 00 

100,000 00 

100,000 00 



Market value. 

$138,600 00 

249,920 00 

26,500 00 

96,000 00 

121,000 00 

132,000 00 

66,300 00 

72,000 00 

49,000 00 

112,000 00 

205,000 00 

45,000 00 

103,000 00 

50,000 00 

100,980 00 

142,500 00 

91,000 00 

101,500 00 



134 



LIFE INSURANCE COMPANIES [Dec. 31, 



Cape Fear & Yadkin Valley. X. C . Hy bonds 

Zanesville & Ohio River Railway bonds, 

Toledo Bell Railway bonds, 

Ohio River Railroad bonds, 

Chicago, Peoria v.V St Louis Railway bonds, 

Cleveland & Canton Railroad bonds, 

Norfolk vS: Western Railroad bonds, 

Toledo, St. Louis & Kansas City R.R. bonds, 

Chicago & West Michigan Railway bonds, 

Poughkeepsie Bridge Company, N. Y., bonds 

Chester, Pa., bonds, .... 

Salem, N. J , bonds, .... 

Winston Township, N. C, bonds, 

Durham, N. C, bonds, 

Cumberland city, Md , bonds, . 

Xenia city, O., bonds, 

Piqua eity, O , school-house bonds, . 

Findlay, O., water works bonds, 

Mt. Vernon, O., bonds, 

Ravenna, O., bonds, .... 

( it y of Lima, O., bonds, . 

Louisville, Ky., city bonds, 

Evansville, Ind , bonds, 

St. Joseph, Mo., bonds, 

Leavenworth city, Kan , bonds, 

Atchison, Kan , bonds, 

City and t'wns'p of Independence, Kan , bonds 

County of Saline, Kan., bonds, . 

Duluth, Minn., Board of Trade bonds, 

Lincoln City, Neb , bonds, 

Nebraska City, Neb , bonds, 

Hastings, Neb , bonds, 

ComVial Club of City of Ft Worth, Tex , bonds 

City of Beatrice, Neb., bonds, . 

Union Stock Yard Co. of Sioux City, la , bonds 

Jamestown, N. Y., Water Supply Co. bonds, 

Jamestown, N. Y., Gas Company bonds, . 

Hudson River Water Power & Paper Co bonds 

Chillieothe, O., Gas & Water Company bonds 

Hamilton & Rossville, O., Hydraulic Co bonds 

Louisville, Ky., Water Company bonds, . 

St Joseph, Mo., Water Company bonds, . 

Joplin, Mo., Water Company bonds, 

Hot Springs, Ark., Water Company bonds, 

Burlington, la., Water Company bonds, . 

Austin, Tex , Water Company bonds, 

Freeport, HI., Water Companj bonds, 

Hutchinson, Kan., W., L. A: Tel. Co. bonds, 

National Water W'ks Co. of New York bonds 



Par value. 

.000 00 

120,000 00 

146,000 00 

100,000 00 

74,000 00 

150,000 00 

100,000 00 

40,000 00 

100,000 00 

100,000 00 

100,000 00 

75,000 00 

05,000 00 

50,000 00 

50,000 00 

74,000 00 

20,000 00 

75,000 00 

22,000 00 

60,000 00 

150,000 00 

50,000 00 

45,000 00 

170,000 00 

50,000 00 

75,000 00 

48,200 00 

84,000 00 

40,000 00 

40,000 00 

100,000 00 

100,000 00 

20,000 00 

90,000 00 

90,000 00 

150,000 00 

45,000 00 

50,000 00 

83,500 00 

50,000 00 

100,000 00 

100,000 00 

75,000 00 

100,000 00 

75,000 00 

130,000 00 

109,000 00 

150,000 00 

100,000 00 



Market value. 

$91,670 00 
90,000 00 

146,000 00 

100,000 00 
66,600 00 

145,500 00 
92,500 00 
38,000 00 
92,000 00 
90,000 00 

109,000 00 
78,750 00 
66,950 00 
51,500 00 
53,000 00 
75,720 00 
20,600 00 
78,000 00 
22,880 00 
60,600 00 

154,500 00 
58,000 00 
45,000 00 

182,000 00 
42,000 00 
63,000 00 
50,128 00 
84,840 00 
40,000 00 
41,600 00 

102,000 00 
98,000 00 
20,800 00 
88,200 00 
92,700 00 

151,500 00 
45,900 00 
50,000 00 
83,500 00 
50,000 00 

110,000 00 

110,000 00 
78,750 00 

100,000 00 
79,500 00 

1 t8,000 00 

112,270 00 

142,500 00 

105,000 00 



>:) ] 



OF OTHER STATES. 



135 



aeville, M<>., Water Company bonds, 
oe, Kan.. Water & Elec. Light ( fc>. bonds, 
National Water Work- Investment Co. bonds, 
Si ;\ < 'i;y. la., water work- bonds, . 
City of Fernandina, Fla . water works bonds, . 
Champaign & Orbana, HI., W & E. Co. bonds, 
United Se rarity Life Ens. & T. Co. of Pa. bonds, 
Dnqnesne Chili. Pittsburg, Pa., bonds, 

■ea Delaware Mutual Safety In-. Co., . 

100 " Western Nat Bank, Philadelphia, . 

76 " Bank of X. America, Philadelphia,. 

Girard National Bank, Philadelphia, 

t 

Excess of market value over cost, 



P;ir value. 

00 

07,000 00 

100,000 00 

55,000 00 

',000 00 

100,000 00 

50,000 00 

110,000 00 

6,260 00" 

00 

7,600 00 

2,000 00 



Market value. 

149,000 00 

68,310 00 

95,000 00 

56,100 00 

40,000 00 

98,000 00 

49,500 00 

111,100 00 

13,250 00 

10,900 00 

2<;,600 00 

5,100 00 



^6,622,148 00 

. 6,260,161 15 



£361,986 85 



"PROVIDENT LIFE AND TRUST COMPANY OF PHILADELPHIA," 

PHILADELPHIA, PA. 

[Incorporated March 2-2, 150c. Commenced business June, 1S65.] 
Paid-up Capital, $1,000,000. 

Samuel W Shipley, TV Asa S Wing, Vice-Pres and Actuary. 

Income. 
Ne\v premiums without deductions, 



Renewal premiums. .... 
Premiums paid by surrendered policies, 
Cash received for annuities, 

Total premium income, 
Cash received for interest. 

for rents of company's properly, 

for profits on bonds or stocks sold, 
on investments of capital,* 

Total income, ...... 

Xet or ledger assets, Dec. 31, 1888, . 

Total, 



6450,000 00 
2,054,111.83 
345,087 45 

41,224 41 

f2£90,423 69 

706,171 32 

335 73 

2.361 25 

46,470 00 

83,645,761 99 
14,172,624 31 

617,818,386 30 



* The charter, besides authority to transact a life insurance business, confers also authority to 
act as administrator, executor, etc., to transact what is known as a trust business. The relations 
of the two departments of the business are fixed by the provisions of the charter. The accounts 
are kept entirely distinct and separate. The entire surplus in the insurance department accumu- 
lates for the benefit of the policy-holders. The only advantage, direct or indirect, which the 
iholders can at any time have from the union of the two features of the business results from 
the fact that the management of the trust business, from which they derive their profits, is done 
for them without charge. This includes the interest on the capital. 



136 



LIFE INSURANCE COMPANIES [Dec. 31, 



Disbursements. 

Cash paid for losses and additions, 

( lash paid for matured endowments and additions, . 

dross amount paid for losses and endowments, 

Cash paid to annuitants, 

Cash paid for surrendered policies, 

Premium notes or loans used in purchase of surrendered 

policies and .voided by lapse, 

(ash dividends paid polic}'-holders applied in payment of 

premiums, 

Premium notes or loans used in payment of dividends, . 

Total jDaid policy-holders, 

Cash paid for dividends to stockholders,* 

for commissions to agents, .... 
for salaries and travelling expenses of agents, 
for medical examiner's fees, .... 
for salaries of officers and office employees, . 

for taxes and fees, 

for rent, 

for furniture and office fixtures, 

for advertising, 

for incidentals, 



$558,929 00 
271,771 00 

$830,700 00 
21,969 72 
88,689 22 

119 80 

345,087 45 
3,657 33 

$1,290,253 52 

46,470 00 

284,784 89 

22,023 00 

20,453 48 

97,794 75 

47,788 95 

8,715 19 

8,265 88 

7,834 54 

41,264 31 



Total disbursements, . $1,875,648 51 



Balance, 



15,942,737 79 



Invested in the following: — 

Assets as per Ledger Accounts 

Cost value of real estate, 

Loans on mortgage of real estate (first liens), 
on collateral security (schedule A), 
on company's policies assigned as collateral, 

Premium notes or loans on j}olicies in force, . 

Cost value of stocks and bonds owned (schedule B), 

< lash in company's office and in bank, 

Ledger assets (as per balance), 



$1,079,719 22 

7,553,159 15 

202,000 00 

775,302 98 

35,749 58 

6,181,767 50 

115,039 36 

M5,942,737 79 



Other Assets. 

Interest din; and accrued, 

Kent- due and accrued, 

Market value of stocks and bonds, over cost, . 



161,194 65 
1,698 17 

309,072 50 



* See foot-note on p. L36, 



1889.] OF OTHER STATES. 137 

Uncollected premiums on policies in force, . $219,548 10 
Deferred premiums on policies in force, . . II 1,753 92 

Total $664,302 02 

Deduct loading (20 per cent.) 132,860 40 

Net amH of uncollected and deferred prem's, . $531,441 62 

Total assets per company's books, .... $16,946,14473 

Liabilities. 
Computed premium reserve or net present value of all out- 
standing policies (actuaries' 4 per cent.), . . . $14,336,257 00 
Death Losses and matured endowments in 

process of adjustment, $39,380 00 

Due and unpaid on annuity claims, . . . 729 46 

Total policy claims, 40,109 46 

Unpaid dividends of surplus due policy-holders, . . . $21,558 56 



Premiums paid in advance, 
Miscellaneous, . 



Liabilities as to policy-holders, 
Surplus as regards policy-holder-, 
Paid-up capital, .... 
Surplus over capital, 



60,234 27 
36,052 52 



$14,494,211 81 
$2,451,932 92 

. 1,000,000 00 
. 1,451,932 92 



Gross liabilities, 

Premium Note Account. 
Premium notes on hand Dee. 81, 1888, . . $37,922 52 
Premium notes received during 1889, . . 3,635 97 



$16,946,144 73 



Total, $41,558 49 

Used in payment of surrendered policies and 

voided by lapse, $149 80 

Used in payment of dividends to policy-holders, . 3,657 33 
Redeemed by maker in cash, 2,001 78 

Total, 5,808 91 

Balance note assets, Dec. 31, 1889, $35,749 58 

Exhibit of Policies. 
Policies and Additions in force Dec. 31, 1888. 

Number. Amount. Total No. Total Amount. 

Whole life, . . . 2,088 $6,869,503 00 

Endowment, . . . 18,616 56,592,894 00 

All other, .... 32 117,200 00 

Reversionary additions, . - 424,097 00 



20,736 $64,003,694 00 

Policies issued during the Year. 
Whole life, . . . 207 $846,310 00 
Endowment. . . . 4,044 11,659,816 00 
All other, .... 1 5,000 00 

— 4,252 12,511,126 00 



138 



LIFE INSURANCE COMPANIES [Dec. 31, 



Whole life, 
Endowment, 
All other, . 



Old Polici* s rt fii-< d. 

Number. rant. Total No. 

6 $14,000 00 

84 245,500 00 

187 00 



Total Amount. 



90 §259,687 00 



Whole life, 
Endowment, 

Additions by dividends, 
Total, . 



Old Policies increased. 

2 $10,000 00 

89 383,800 00 



91 



393,800 00 
104,769 00 



. 25,169 $77,273,076 00 



Policies terminated during the Year. 

Whole life, ... 134 §575,586 00 
Endowment, . . .1,619 4,794,075 00 
All other, .... 10 86,849 00 





1,763 


$5,456,510 00 




How terminated. 


By death, . 


168 


$549,447 00 


maturity, 


103 


271,771 00 


expiry,. 


5 


7,000 00 


surrender, . . 


313 


1,051,039 00 


lapse, . 


1,000 


2,682,753 00 


change and decrease, . 


90 


629,000 00 


Not taken, . . . . 


84 


265,500 00 



1,763 5,456,510 00 



Policies in force Dec. 51, 1889. 



Whole life, 
Endowment, 

All other, . 
Reversionary additions, 



2,169 $7,164,227 00 

21,214 64,087,935 00 

23 74,200 00 

490,204 00 



23,406 $71,816,566 00 



Schedule A. 
Securities held as Collateral. 



Lehigh Coal and Navigation Company stoek, 
Lehigh Valley Railroad stock, . 
Philadelphia & Reading Railroad bonds,. 
Philadelphia & Reading Railroad bonds, . 
North Pennsylvania Railroad bonds, 



Market value. 

$58,275 00 

31,800 00 

110,625.00 

15,045 00 

9,100 00 



Amount loaned. 

$55,000 00 

27,000 00 

100,000 00 

20,000 00 



$224,845 00 $202,000 00 



59.] 



OF OTHER STATES. 



139 



Schedule R. 

lu and d In the Company. 

Market value. 

United States bonds $365,750 00 $365,750 00 

Lehigh Valley Railroad bonds, . . . -.600 00 -,050 00 

Central Railroad of New Jersey bonds, . . 213,000 00 

Northern Pacific Railroad bonds, . . . 184,375 00 197,005 00 

Philadelphia & Reading Railroad bonds, . 528,157 50 512,000 00 

Atlantic City Railroad bonds 104,275 00 104,275 00 

Easton & Amboy Railroad bonds, . . . 2 2< i ,000 00 3 ,000 00 

Lehigh Coal and Navigation Company bonds, 96,000 00 102,000 

Baltimore & Ohio Railroad bonds, .' . . 150,000 00 162.000 00 

City of Louisville, Ky., bonds 2 », 000 00 250,000 00 

Lehigh and Wilkesbarre Coal Company bonds, 13,000 00 13,650 00 

Pennsylvania Railroad bonds 2»;:>,000 00 310,500 00 

Northern Central Railroad bonds, . . . » 00 283,800 00 

Kentucky and Indiana Bridge Company bonds, 61,600 00 64,000 00 

Philadelphia A: Baltimore Central R R bonds, ,000 00 52,500 00 

Texas & Pacific Railway bonds, . . . 144,000 00 158,400 00 

North Pennsylvania Railroad bonds, . . 273,01 306,230 00 

Catasanqna & Fogelsville Railroad bonds, . 36,000 00 36,900 00 

Belt Railroad and Stock Yard ( lompany bonds, 30,000 00 30,900 00 

Missouri Pacific Railroad bonds, . . . .000 00 110,000 00 

Oregon & Pacific Railroad bonds. . . . 60,000 00 48,000 00 

Verdegris Val . Ind. & Western R.R. bonds, . 49,500 00 50,000 00 

City of Richmond. Va, bonds 127,000 00 141,250 00 

Pennsylvania Equipment Trust bonds, . . 84,000 00 86,000 00 

West Philadelphia Passenger Railroad bonds, 54,000 00 .000 00 

Lynchbnrir. Va. bonds 50, 000 00 .000 00 

Gloucester Ferry Company bonds, . . . 190,000 00 195,700 00 

Chicago. Milwaukee & St. Paul Railroad bonds, 70,560 00 77,400 00 

Texas & Pacific Railroad bonds, . . . -12,550 00 .680 00 

New York. Lake Erie & Western R R bonds, 50,000 00 51,250 00 

Qiuncy.Ill, city bonds, 100,000 00 100,000 00 

St Louis city bonds 88,000 00 88,000 00 

Grand Rapids & Indianapolis Railroad bonds, 96,000 00 91,000 00 

Western Pennsylvania Railroad bonds, . . 50,000 00 50,000 00 

Lehigh Coal and Navigation Company bonds, 230,000 00 230,000 00 

Mercer County. Ky , bonds, .... 100,000 00 100,000 00 

Philadelphia & Erie Eailroad bonds, . . 98,500 00 101,500 00 

Chicago, Rock Island* Pacific Railroad bonds, 107,000 00 106,500 00 

Frankfort, Ky., city bonds, .... 103,00000 103,00000 

Pennsylvania & N. York Canal & R.R bonds, . 250,000 00 250,000 00 

United New Jersey R.R. and Canal Co. bonds, 106,000 00 107,500 00 

Car Trust of New York certificates, . . 196,900 00 176,900 00 

Wabash Railroad bonds, 48,000 00 51,200 00 

Cincinnati city bonds, 3,000 00 3,000 00 

Pennsylvania Car Trust certificate* . . 1,000 00' 1,000 00 



$6,181,767 50 $6,490,840 00 



140 



LIFE INSURANCE COMPANIES [Dec. 31, 



"PROVIDENT SAVINGS LIFE ASSURANCE SOCIETY OF NEW 

YORK," NEW YORK, N. Y. 

[Incorporated Feb. 25, 1S75. Commenced business Aug. 10, 1S75-] 
Paid-up Capital, $100,000. 



Sheppabd Romans, President. 

Income 

New premiums without deductions, 
Renew al premiums, .... 

Premiums paid by surrendered policies, 

Total 

Deduct amount paid for reinsurance, 

Total premium income, 
Cash received for interest, 

Total income, 
Net or ledger assets, Dec. 31, 1888, 

Total, 



Disbursements. 

Cash paid for losses and additions, . 

Received for losses and claims on policies re-insured, 

Net amount paid for losses and endowments, . 

( !ash paid to annuitants, 

Cash paid for surrendered policies, . 



William E. Stevens, Secretary. 



Cash dividends paid policy -holders applied in payment of 
premiums, 

Total paid policy-holders, . 
Cash paid for commissions to agents, 

for salaries and travelling expenses of agents, 1 

for medical examiner's fees, . 

for salaries of officers and office employees. . 

for taxes and fees, . 

for rent, 

for commuting commissions, . 
Cash advanced to officers or agents, 
Cash paid for furniture and office fixtures, 

for advertising, 

for incidentals, 

Total disbursements 

Balance, 



$278,2-11 71 
701,653 61 
872,146 61 

$1,355,041 93 
11,411 62 

$1,343,630 31 

17,184 16 

$1,860,814 47 
541,222 do 

$1,902,037 02 



$565,103 78 

15.000 00 

$550,103 78 

100 00 

2,072 52 

372,469 64 

$924,745 94 
152,171 78 
24,518 13 
17,834 60 
41,298 85 
14,949 83 
17,508 95 
34,706 12 
22,266 80 
2,291 21 
20,121 80 

22.1 10 80 

$1,294,557 81 



§607,479 21 



B9.] 



OF OTHER STATES. 



141 



Invested in the following: — 

Assets as per Ledger Accounts 

value of real estate, , 

Loan- on mortgage of real estate (first liens), 
on collateral security (schedule A), 
on company's policies assigned as collateral, 



Cost value of Stocks and bonds owned (sc 
Cash in company's office, . 
Cash deposited in bank, . 
Agents 1 ledger balances, . 

Ledger assets (as per balanci 



hedule B), 



$35,449 32 

125,800 00 

27,500 00 

3,500 00 

334,630 67 

1,138 32 

68,966 79 

10,494 11 

(6 »7,479 21 



Other Assets. 

Interest due and accrued 

Market value of stocks and bonds, over c< 
Uncollected premiums on policies in force, 
Deferred premiums on policies in forci 

Total, 

Deduct loading (20 per cent ),. 

Net am't of uncollected and deferred prem's, 

Total assets per company's books, . 



|27,079 56 
46,598 92 

,673 W 

14,734 69 



8,485 41 
5,317 50 



S 79 



.220 91 



Items not admitted. 



Agents 1 balances, 



Total admitted assets. 
Deduct special deposits in other State-, 



10.494 11 

'.726 80 
^.442 50 



Balance, $601,284 30 



Liabilitii 

Computed premium reserve or net present value of all out- 
standing policies (actuaries' 4 per cent ), . 
Deduct net value of reinsured risks, 



Xet reinsurance reserve, .... 
Death losses and matured endowments in 

process of adjustment, 

Claims resisted by the company, 

Total policy claims, 

Liabilities as to policy-holders. . 
Deduct liabilities on special deposits, 



$69,000 00 
11,409 13 



$239,550 00 

2,661 00 

8236,889 00 



80.409 13 



. §317,298 13 
5,856 00 



8311,442 13 



1 12 



LIFE INSURANCE COMPANIES [Dec. 31, 

. $289,842 17 



Surplus as regards policy-holders, . 
Paid-up capital, . 
Surplus over capital, 

( rross liabilities, . 



$100,000 00 
189,842 17 

§001,284 30 



Exhibit of Policies. 

Policies and Additions in force Dec. 31, 1SS8. 

Number. Amount. Total No. Total Amount. 

Whole life, ... 121 $53,886 00 

Endowment, . . . 102 101,750 00 

All other, .... 12,630 50,856,650 00 

12,853 $51,012,286 00 



Policies issued during the Year. 



Whole life, 
Endowment, 
All other, . 

Old policies revived,. 
Old policies increased, 



Total, 



7 

65 

5,319 



$22,000 00 

51,500 00 

19,063,697 00 



5,391 
9 
4 



19,137,197 00 

28,000 00 

7,000 00 



18,257 $70,184,483 00 



Policies terminated during the Year. 



Whole life, 


11 


$4,300 00 






Endowment, 


32 


31,100 00 






All other, . 


. 2,462 


9,194,875 00 








2,505 


$9,230,275 00 






How terminated. 






By death, . 


159 


$622,125 00 






expiry, . 


1,964 


7,236,500 00 






surrender, 


19 


18,000 00 






lapse, . 


19 


12,650 00 






change and decrease, 


- 


182,000 00 






Not taken, . 


344 


1,159,000 00 


2,505 


9,230,275 00 



Whole life, 
Endowment, 

All other, . 



Policies in force Dec. 31, 1889. 
117 $71,586 00 

135 122,150 00 

. 15,500 60,760,472 00 



15,752 $60,954,208 00 



39.] 



OF OTHER STATES. 



143 



Schedule a. 

8 'iriiii 8 !>• /'/ as Collateral. 

Market value. 

10 shares Adams Express Company, . . $1,500 00^ 

shares Commercial Cable Company, . . 9,135 00 J 

T< xas & Pacific Railroad bonds, . . . 1,802 50 j> 

100 shares Western Union Telegraph Company, 8,275 00 I 

80 shares Wells Fargo and Co. Express, , . 4,140 00 J 

Ohio & Western Virginia Railroad bonds, . 4,680 00 

60 shares Western Union Telegraph Company, 4,137 50 



Amount loaned. 



f20,000 00 



7,500 oo 



$33,670 00 §27,500 00 



& HEDULE B. 
Stocks and Bond* owned by the 

10 Bhares Macon, Ga . Savings Bank, 
Atchison, Jewell Co. & Western R R. bonds, 

Toledo & Ohio Railroad bonds, 
Ess< \ Passenger Railroad bonds, 
Cincinnati. Sandusky & Cleveland K.R. bonds 
Englewood, X. J., school bonds, 
Seattle. Lake shore & Eastern Railroad bonds 
Quebec government bonds, 
Denver & Rio Grande Railroad bonds, 
New York, Chicago i?c St Louis R R, bonds, 
Fort Worth & Denver City Railroad bonds, 
Philadelphia & Reading Railroad bond-. 
Montreal city bonds. .... 

Toledo, Ann Arbor & Lower Mick R.R. bonds 
Brooklyn city bond-. .... 

Richmond city bonds 

Northwestern Telegraph Company bonds. 



Company. 

Cost. 

$980 00 

15,190 00 

7.720 00 

11,212 50 

14,445 67 

50 no 
14,56*2 50 

23,15<> 

18,287 50 

'.'.•250 00 

9,275 00 

43,357 50 

18,500 00 

107,875 00 

10,100 00 

15,900 00 



Market value. 
3 , 00 

16,360 00 

8,420 00 
11.400 00 

5,077. 00 
14,415 67 

9,800 00 
14,9€ 

23.400 00 
18,800 00 
10,350 00 

8,900 00 

43.357 50 

•0 00 

107,875 00 

10,100 00 

15,900 00 



8334,630 67 $339,948 17 



"THE TRAVELERS' INSURANCE COMPANY," HARTFORD, COXX. 

[Incorporated June 17, 1S63. Commenced business July, 1866.] 

James G. Batteeson, President. Rodney Dennis, Secretary. 

Income. 
Xew premiums without deductions, $287,314 86 



Renewal premiums, .... 
Cash received for annuities, 

Total, 

Deduct amount paid for reinsurance, 

Total premium income, 
Cash received for interest, 



1,057,202 43 

8,728 00 

|1,353,245 29 

12,841 30 

11,340,403 99 

424,139 10 



1 1 1 



LIFE INSURANCE COMPANIES [Dec. 31, 



Cash received as discount on claims paid in advance, 
Cash received for rents of company's property. 



$6 00 
29,100 41 



Total income, $1,793,049 50 

Net or ledger assets, Dec. 31, 1888, 8,947,177 32 



Total. 



110,740,826 82 



Disbursements. 

Cash paid for losses and additions, .... 
Cash paid for matured endowments and additions, 

Gross amount paid for losses and endowments, 
Cash paid to annuitants, .... 
Cash paid for surrendered policies, . 

Total paid policy-holders, . 
Cash paid for commissions to agents, 

for salaries and travelling expenses of agents 
for medical examiner's fees, . 
for salaries of officers and office employees, 
for taxes and fees, . 

for rent, 

for advertising, 

for incidentals, .... 

Total disbursements, .... 

Balance, 



. $300,792 


97 


100,698 00 


. $461,490 97 


950 00 


90,870 83 


. $553,311 


80 


133,525 


83 


12,766 


71 


13,038 05 


64,830 


20 


13,926 


20 


656 


90 


43,280 


97 


83,440 


40 


. $918,777 


06 


. $9,822,049 76 



Invested in the following : — 



Assets as per Ledger Accounts 

Cash value of real estate, 

Loans on mortgage of real estate (first liens) , 
on collateral security (schedule A), 
on coir^any's policies assigned as collateral, 

Cost value of stocks and bonds owned (schedule B), 

Cash in company's office, 

Cash deposited in bank, ...... 

Suspense account, 

Ledger assets (as per balance), 
Deduct depreciation from cost of assets, . 



U,471,597 50 

3,344,721 68 

301,865 00 

226,575 00 

3,759,897 82 

1,67;; 57 

665,831 25 

49,887 94 



1,822,019 76 
438,524 82 



Total net or ledger assets,. 



$9,383,624 94 



1889.] 



OF OTHER STATES. 

Other Assets. 



Interest accrued, 

Uncollected premiums on policies in force, 
Deferred premiums on policies in force, . 



145 



$68,310 96 



$135,658 75 
182,090 74 



Total . $317,749 49 

Deduct loading (12 per cent), , . . . 38,129 94 
Net ain't of uncollected and deferred prem's, . ■ 

Total assets per company's books, 

Items not admitted. 



Suspense account, 



Total admitted assets, 
Deduct special deposits in other States, . 



279,619 55 
$9,731,455 45 



49,887 94 

1,681,567 51 
680,839 63 



Balance, $9,000,727 88 



Liabilities. 
Computed premium reserve or net present value of all out- 
standing policies (actuaries 1 4 per cent,), 
Deduct net value of reinsured risks, 



Net reinsurance reserve, . 
Death losses and matured endowments in proc 

ess of adjustment, 
Claims resisted by the company, 

Total policy claims, . 
Reserve for indemnity contracts, 

Liabilities as to policy-holders, 
Deduct liability on special deposits, 



Surplus as regards policy-holders, 
Gross liabilities, . 



$8,243,374 00 
32,247 00 

$8,211,127 00 



$46,100 00 
1,000 00 



47,100 00 

5,000 00 

$8,263,227 00 

663,051 63 

$7,600,175 37 

1,400,552 51 

$9,000,727 88 



Exhibit of Policies. 
Policies and Additions in force Dec. 31, 1888. 

Number. Amount. Total No. Total Amount. 

Whole life, . . . 14,713 $27,747,048 00 
Endowment, . . . 5,522 10,310,228 00 
All other, .... 882 3,081,085 00 

21,117 $41,138,361 00 



Whole life, 
Endowment, 
All other, . 



Policies issued during the Year. 

. 1,626 $3,816,735 00 

. 1,190 2,351,623 00 

489 2,372,150 00 



3,305 8,540,508 00 



14(3 



LIFE INSURANCE COMPANIES [Dec. 31, 



Whole life, 
Endowment, 
All other, . 


Old Policies 

Number. 

25 

16 

... 2 


revived. 

Amount. Total No. 

$46,394 00 
28,233 00 
2,000 00 
43 


Total Amount. 

$76,627 00 



Whole life, 
Endowment, 

All other, . 



Old Policies transferred or increased. 

6 $23,000 00 

12 39,565 00 

90 219,675 00 
108 282,240 00 



Total, 24,573 $50,037,736 00 



Whole life, 
Endowment, 
All other, . 



Policies terminated during the Year. 

. 1,172 $2,743,590 00 
689 1,312,947 00 
265 1,002,250 00 



2,126 $5,058,787 00 



How terminated. 



By death, . 


213 


$377,853 00 


maturity, 


91 


99,417 00 


expiry, . 


2 


6,000 00 


surrender, 


185 


273,697 00 


lapse, . 


. 1,024 


2,420,400 00 


change and dec 


rease, . 267 


795,380 00 


Not taken, . 


344 


1,086,040 00 



2,126 5,058,787 00 



Whole life, 
Endowment, 
All other, . 



Policies in force Bee. 31, 1889. 
. 15,198 $28,889,587 00 
. 6,051 11,416,702 00 

. 1,198 4,672,660 00 

22,447 



$44,978,949 00 



Schedule A. 

Securities held as Collateral. 



Hartford Carpet Company stock, 
Phoenix Insurance Company stock, Hartford, 
Chicago, Burlington & Quincy R R. stock, 
Hartford Trust Company stock, Hartford, 
Hartford Electric Light Company stock, 
Jewell Pin Company stock, Hartford, 
Galveston, Harrisbnrg & San Anto. R.R. bonds 
Willimantic Linen Company stock, . 
Hart lord Electric Light Company stock, . 



Market value. 


Amount loaned. 


$2,034 00 


$1,500 00 


980 00 


500 00 


535 00 


415 00 


2,560 00 \ 




450 00 > 


3,000 00 


500 00 ) 




59,420 00 


50,000 00 


21,584 00 ) 
1,350 00 S 


19,000 00 





1889.] 



OF OTHER STATES. 



147 



Market value. 

Firs! National Bank stock, Alamosa, Col., . $6,000 00 

NoteofRichm'd [ronW'ks, Rich., Mass., secured, 120,000 00 

Eagle Lock Company, Terryrille, Cona., . 360 00? 

South. X. B. Telep, Co. st'k, New Hav.,Conn., 140 00 S 

Pratt & Cady Co. stock, Hartford, Conn., . 4,000 00 > 

Jewell Pin Company stock, Hartford, Conn , . 500 00 j 

Billings & Spencer Co. stock, Hart., Conn , . 250 00 J 

shares Meriden Britannia Company, . . 76,330 00 ^ 

H. Wallace & Sons Mf. Co , Wallingford, Conn, 4,850 00 

Hall, Elton & Co. Mfg. Co., WaUingf ord, Conn., 7,500 00 

Wilcox & White Organ Mf. Co, Meriden, Conn, 7,500 00 

Cheshire Brass Mfg. Co, Cheshire, Conn , . 7,500 00 

Winchester Anns Mfg. Co, New Haven,Conn, 48,750 00 J 

Bank of Topeka, Kan, stock, .... 6,000 00 

Chicago & Alton Railroad stock, . . . 27,470 00 

Chase National Bank stock, N. Y, . . . 75,000 00 

New Jersey Central Railroad stock, . . 48,800 00 

Life insurance policy, 1,690 00 

Life insurance policies, 308 00 

Personal loan, secured, 300 00 

Life insurance policy with security, . . 11,000 00 



Amount loaned. 

$5,000 00 
65,000 00 

450 00 



3,000 00 



> 24,500 00 



5,000 00 

20,000 00 

60,000 00 

40,000 00 

1,000 00 

250 00 

250 00 

3,000 00 

$543,661 00 $301,865 00 



Schedule B. 

Stocks and Bonds owned by the Company. 

Cost. 

Georgia State bonds, $29,330 00 

Province of Manitoba, Can, bonds, ... 79,443 47 

Clark County, Dak, bonds, .... 5,952 00 

Traill County, Dak, bonds, .... 1,500 00 

Riley County, Kan, bonds, .... 48,000 00 

Escambia County, Fla, bonds, .... 9,360 00 

Pendleton County, Ky, bonds, . . . . 21,200 00 

Otter Tail County, Minn , bonds, . . . 45,500 00 

Butler County, Neb, bonds, .... 57,085 00 

Laramie County, Wy, bonds, .... 50,000 00 

Parkdale, Ont , bonds, 11,765 00 

Collingwood, Ont, bonds, .... 8,500 00 

Almonte, Ont, bonds, 14,531 33 

Paris, Ont, bonds, 8,567 75 

Windsor, Ont, bonds, 11,124 84 

Coaticook, Que, bonds, 25,375 00 

Frankfort, Dak, township bonds, . . . 1,455 00 

Lakin, Kan, township bonds, .... 7,455 00 

Lancaster, Kan, township bonds, . . . 14,850 00 

Walnut, Kan, township bonds, . . . 18,000 00 

Rock Creek, Kan, township bonds, . . . 25,000 00 

Parker, Kan, township bonds, .... 24,500 00 



Market value. 

$ 28,700 00 
80,942 40 

6,200 00 

1,500 00 
48,000 00 

9,270 00 
21,200 00 
50,000 00 
56,840 00 
50,000 00 
12,200 00 

9,010 00 
14,900 00 

8,960 00 
11,252 23 
26,500 00 

1,500 00 

7,700 00 
15,000 00 
18,000 00 
25,000 00 
25,000 00 



14* 



LIFE INSURANCE COMPANIES [Dec. 31 



( an ton, Kan , township bonds, 
Elk, Kan., township bonds, 

(raw lord. Ivan., township bonds, 

Blaine, Kan., township bonds, . 

Oswego, Kan., township bond-. 

Winnipeg, Man., city bonds, 

( dorado City, Col., city bonds, 

( anon City, Col., city bonds, . 

Pueblo, Col., city bonds, . 

Lexington, Ivy., city bonds, 

Jacksonville, Fla , city bonds, . 

Helena. Mon., city bonds, . 

Council Bluffs, la., city bonds, . 

Sioux City, la., city bonds, 

Falls City, Neb., city bonds, 

Tecumseh, Neb., city bonds, 

Edgar, Xeb , city bonds, . 

Clyde City, Kan , city bonds, . 

Arkansas, Kan , city bonds, 

Topeka, Kan., city bonds, 

Ottawa, Kan., city bonds, . 

Kansas City, Kan , city bonds, . 

Sherbrooke, Que., city bonds, . 

Quebec, Que , city bonds, . 
Hartford, Conn., city bonds, 

Montreal, Que., city bonds, 

St. Thomas, Ont., city bonds, . 

Guelph, Ont., city bonds, . 

Port Hope, Ont., city bonds, 

Brantford, Ont., city bonds, 

600 shares Hartford City Gas Light Company 

1863 shares Hart. L'n and T'st Co., Denver, Col 

Hunt Drainage Dist. bonds, Hancock Co., Ill 

Fort Smith and Van Buren Bridge Co. bonds 

Western Union Telegraph Company bonds, 

Grape Creek, 111., Coal Company bonds, . 

Lake Shore & Michigan Southern K.R. bonds 

Mobile & Birmingham Railroad bonds, . 

Atlantic & Pacific Railroad bonds, . 

Oxford & Clarksville Railroad bonds, 

St. Louis & San Francisco Railroad bonds, 

Duluth & Manitoba Kail road bonds, 

Keokuk & Des Moines Railroad bonds, . 

Prescott & Arizona Railroad bonds, 

( Ihicago, Milwaukee & St. Paul K.R. bonds, 

Canadian Pacific Railroad bonds, 

Stillwater & St. Paul Railroad bonds, 

Toledo, Ann Arbor cV Grand Trunk K.U. bonds, 



Cost. 

§15,200 00 
13,125 00 
23,875 00 
13,200 00 
10,000 00 
54,470 00 
5,000 00 
30,070 00 
22,736 25 
30,600 00 
4,000 00 
51,500 00 
35,350 00 
25,650 00 
22,560 00 
20,895 00 
12,935 00 
4,375 00 
26,250 00 
34,686 84 
8,160 00 
33,400 00 
30,750 00 
49,000 00 
10,600 00 
68,117 83 
33,765 00 
81,522 20 
60,600 00 
53,102 50 
28,635 01 
186,300 00 
30,000 00 
52,500 00 
48,375 00 
27,550 00 
2,110 00 
23,125 00 
43,000 00 
48,750 00 
100,500 00 
50,437 50 
4,950 00 
41,625 00 
65,000 00 
49,000 00 
32,690 00 
25,500 00 



Market value. 

§16,000 00 
13,125 00 
25,000 00 
13,200 00 
10,000 00 
54,500 00 
5,000 00 
30,070 00 
22,736 25 
30,600 00 
4,000 00 
51,500 00 
35,350 00 
25,750 00 
22,560 00 
20,895 00 
12,935 00 
4,375 00 
26,250 00 
44,000 00 
8,160 00 
33,280 00 
32,100 00 
51,000 00 
10,100 00 
73,725 00 
34,500 00 
81,760 00 
60,600 00 
53,900 00 
16,800 00 
186,300 00 
30,000 00 
52,500 00 
52,000 00 
27,550 00 
2,460 00 
23,562 50 
37,125 00 
51,000 00 
112,500 00 
54,500 00 
10,350 00 
41,625 00 
65,000 00 
54,000 00 
32,200 00 
27,500 00 






OF OTHER STATES. 



149 



Toledo, St. 1 tyB EL bonds, . 

I Transit Railroad bonds. . 
road bonds, 
Knoxville & Ohio Railroad bonds. 

Ohio Valley Railroad bonds 

?en ft 1 - 

Eureka S _ - lilroad bonds. 

ir d' Alene K"y A Navigation B B bonds, . 
- Delaware. Lack. a. i 11 B .. 

X Y. < entral A Hudson Kiv. BLB . 
Mise ri Pacific Railroad, 
Chic, Rock Island cV Pacific I 
500 " Central Pacific Railroad. 

i : _ n Railroad, 

100 " X v Y. .k a- N .land R B .. 

600 " Kail Ex Bank. Hartford. < toon , . 
" Hartford Xat'l B'k. Hartf d, Conn , 
145 " First Xat'l Bank. Hartford. Conn.. 
Charter nn, 

Thames Xat'l B*k, Norwich, Conn., 
•• First Nat'l B'k, WaUmgTd, ( onn., 
Mel Xat'l Bank. New York. X.Y.. 
Am. Ex. Xat. B'k. Xew York. X. Y.. 
Mr K\ Xnt.B'k.X ..X.Y.. 

Nassau Bank, New York, X. Y 
Citizens' Bank, Minneapolis. Minn., 
Xat'l B"k of C'nwh, Boston. M ise 
Atlas Xat'l Bank. Boston. Mass 
Am. Nail Bank, Kansas 
" Conn T.andS.D.Co..irtfd,< onn., 
140 M Security Co., Hartford. Conn., 



Cost. 

j - -• 

47*500 00 

K 00 

00 

53,937 50 

." I 00 

. 00 

" ." 

. '■ 00 

7 ' 

So.Sf.6 25 

- " 
. "00 
00 

15; 23 98 

■_ 

31.800 00 

21.413 00 
11, I ' 

00 

11.21: 

11,300 00 

oo 

00 
14." 



Market value. 

- '00 
45,000 00 
44,000 00 
37. " 

54.000 00 
_" 

I 00 

34,125 00 

-.000 00 

I 00 

67,550 00 

00 

.. 500 00 

11.250 00 

00 

.000 00 

15.515 00 

00 

■ 00 

00 

) 00 

32,600 

14,400 00 

00 
16*500 00 
12,000 00 

12. a 
n 00 

19,040 



I - - . - a . - - 208 38 



"UNION MUTUAL LIFE INSURANCE COMPANY." PORTLAX'D. ME. 

. :orporated -Jc ; . Commenced business Oct. 1, 1849.] 

John E. PeYVitt. Pr€*id<cni. Arthur L. Bates. Secretary. 

Income. 
w premiums without deduction- $ 130,791 44 



Renewal premiums. .... 
rived for annuities, 

7 tad 

Deduct amount paid for reinsurance, 

I premium income, 
:-st. 



593,449 96 
1,500 00 

|725,741 40 
1,621 do 

$724,11'? 35 
241,477 35 



150 



LIFE INSURANCE COMPANIES [Dec. 31, 



(ash received as discount on claims paid in advance, . . $876 11 

Cash received for rents of company's property, . . . 17,450 79 
Profit and loss, 17,193 90 

Total income §1,001,115 00 

Net or ledger assets, Dec. 31, 1888, 5,795,508 18 

Total, $6,796,623 18 



Disbursements. 

Cash paid for losses and additions, 

Premium notes or loans used in payment of same, . 
Cash paid for matured endowments and additions, . 
Premium notes or loans used in payment of same, . 

Gross amount paid for losses and endowments, 

Cash paid to annuitants, 

Cash paid for surrendered policies, 

Premium notes or loans used in purchase of surrendered 
policies and voided by lapse, 

Cash surrender values, including reconverted additions ap- 
plied in payment of premiums, 

Cash dividends paid policy-holders, $1,271.74 ; applied in pay 
ment of premiums, $18,219.04, 

Premium notes or loans used in payment of dividends, . 



Total paid policy-holders, . 
Cash paid for commissions to agents, 

for salaries and travelling expenses of 
for medical examiner's fees, . 
for salaries of officers and office employ 
for taxes and fees, .... 

for rent, 

for commuting commissions, . 
for furniture and office fixtures, 
for advertising, .... 
for incidentals, 

Total disbursements, 

Balance, 



agents, 
ees, . 



$337,375 35 

20,317 00' 

118,604 57 

8,485 00 



$484,781 92 

233 27 

• 10,851 76 

22,487 95 

6,134 03 

19,490 78 
5,865 00 

$549,844 71 
52,583 66 
97,627 37 
12,272 97 
45,880 41 
14,913 76 
9,770 54 
20,912 75 
492 01 
10,795 74 
28,168 16 

$843,262 08 

$5,953,361 10 



Invested in the following: — 

Assets as per Ledger Accounts 

Cosl value of real estate, 

Loans on mortgage of real estate (lirst liens), 
Loans on collateral security (schedule A), 
Premium notes or loans on policies in force, . 

( lost value of stocks and bonds owned (schedule B), 



11,148,220 02 

1,831,405 94 

295,842 97 

450,259 00 

2,517,684 60 






OF OTHER STATES. 



151 



Cask in company's office, . 
in bunk, . 
Bills receivable, 

_vr balance.-. . 
s token far premiums, 

Ledg | as per balance), 

Other Assets. 



Intere-t due and accrued 

Rents due and accrued 

Market value of stocks and bond-. 

premiums on policies in foi 
De fer red premiums on policies in fore- 
Total 

Deduct loading (20 per cent 

Net am*t of uncollected and deferred prem"s. 

Total assets per company's books, 

Item< HOT admitted. 

d nts' balane - 

Bills receivable, 

Total 



U 01 

■_ :.: I 58 

• 46 

B2S B8 

360 64 

f 5,953.361 10 



M 25 



- ,118 



56 
34 



$14 v 



90 






. |6,157371 






- 



1/273 34 



Total admitted ass 
Deduct special deposits in other Stat*. - 



- %£9G IS 

59 54 



Balance, ' 3 



Liabilities. 

Computed premium reserve or net present value of all out- 
standing policies (actuaries" 4 per cent.), 
tact net value of reinsured risks. 



Net reinsurance reserve, . 
Death losses due and unpaid, . 
Matured endowments due and unpaid, 
Death losses and matured endowments in proc- 
ess of adjustment, 

ims resisted by the company, 

Total policy claims 

Unpaid dividends of surplus due policy-holders. 
Premiums paid in advance, 

Contingent reserve, 

Contingent liability, 



Liabilities as to policy-holders. . 
Deduct liabilities on special deposits, 



-7 00 






15 26 
1 2 12 

. o 34 

2..v : 



50,773 72 
3.717 37 
1,183 )1 

208 00 
25,000 00 

>■:.:■: 6,412 10 
89 54 



$5,449,722 o*? 



152 



LIFE INSURANCE COMPANIES [Dec. 31, 



Surplus n> regards special policy-holders, 

Surplus as regards other policy-holders, . 

Gross surplus, 



$43,931 50 
306,254 58 



Gross liabilities, 



Premium Note Account. 



§350,186 08 
$5,799,908 64 



Premium notes on hand Dec. 31, 1888, 
Premium notes received during 1889, 

Total, 

Used in payment of losses and claims, 

Used in payment of surrendered policies and 

voided by lapse, 

Used in payment of dividends to policy-holders 
Redeemed by maker in cash, . 
Transferred, 

Total, 



$487,445 00 
22,208 95 

$28,802 00 

22,487 95 

5,865 00 

2,144 00 

96 00 



$509,653 95 



Balance note assets, Dec. 31, 1889, .... 

Exhibit of Policies. 
Policies and Additions in force Dec. 31, 18SS. 



Whole life, 
Endowment, 
All other, . 
Reversionary additions, 



Number. 

4,977 
7,797 
1,954 



Amount. Total No. 

18,913,688 00 

13,740,762 00 

3,516,854 00 

224,296 00 



59,394 95 



$450,259 00 



Total Amount. 



14,728 $26,395,600 00 



Whole life, 
Endowment, 



Whole life, 
Endowment, 
All other, . 



Policies issued during the Year. 

6 $5,928 00 

. 2,157 4,537,380 00 



2,163 4,543,308 00 



Old Policies revived. 



Old policies increased, 
Old policies transferred, 
Additions by dividends, 



Total, 



4 
33 



$10,300 00 

67,072 00 

2,245 00 



37 


79,617 00 


- 


8,768 00 


378 


755,408 00 


- 


216,006 00 


17,306 


f31,998,767 00 



Policies terminated during the Year. 

Whole life, ... 223 $528,837 00 
Endowment, . . . 1,903 3,609,192 00 
All other, .... 307 656,072 00 



2,43.°) $4,794,101 00 



1889.] 



OF OTHER STATES. 



153 



How terminated. 



By death, . 
maturity, 
expiry, . 
surrender, . 

lapse, . 

change and decrease, 
Not taken, . 



Number. 

186 
136 
293 
48 
879 
378 
513 



Amount. 

$353,786 00 
124,236 00 
604,750 00 
157,683 00 

1,624,650 00 
815,646 00 

1,113,350 00 



Total No. 



Totai Amount. 



2,433 $4,794,101 00 






Policies in force Dec. 32, 1889. 

Whole life, . . . 4,764 $8,401,079 00 

Endowment, . . . 8,088 14,757,522 00 

All other, .... 2,021 3,830,222 00 

Reversionary additions, . - 215,783 00 



14,873 §27,204,606 00 



Schedule A. 

Securities held as Collateral. 



Maine Central Railroad bonds, 
15 shares Lewiston & Auburn Horse Railroad, 
24 shares Central Wharf, Portland, Me., ^ 
Portland Water Company, Me., bonds, . 
Maine Central Railroad bonds, 
355 shares Portland Water Co., Portland, Me. 
Maine Central Railroad bonds, 
Pejepscot Water Company, Brunswick, Me., 
80 shares Portland Water Co , Portland, Me., 
50 " Portland & Rochester Railroad, 
41 " Portland Trust Co., Portland, Me., 
5 " First National Bank, Wiscasset, Me 
70 " Flint & Pere Marquette Railroad, 
Maine Central Railroad bonds, . 
Northern Pacific Railroad bonds, 
City of Portland, Me., bonds, . 
Leeds & Farmington Railroad bonds, 
Southern Kansas Railroad bonds, . 

9 shares Central Wharf, Portland, Me., . 
Chicago & West Michigan Railroad bonds, 
New York & New England Railroad bonds, 
Southern Kansas Railroad bonds, 

City of Belfast, Me , bonds, 
Atlantic Mutual Insurance Company scrip, 
Maine Central Railroad bonds, 
Portland Water Company, Me., bonds, . 
Maine Central Railroad bonds, 

10 shares First National Bank, Houlton, Me , 



Market value. 

$2,680 00 
1,025 00 
21,600 00 
3,030 00 
1,340 00 
42,600 00 
4,690 00 
5,000 00 
9,600 00 
6,250 00 
4,920 00 

610 00 
6,440 00 
2,320 00" 
2,280 00 
1,120 00. 
1,080 00 

412 50 
8,100 00 

920 00 
1,270 00 
3,975 00- 

214 00 

830 00. 
1,340 00 
4,040 00 
1,116 00 
1,250 00 



Amount loaned. 

$2,000 00 

288 38 

12,000 00 

4,000 00 

24,000 00 
3,500 00 
4,500 00 
5,000 00 
5,000 00 
4,100 00 
515 00 
5,000 00 

5,000 00 

700 00 
121 00 

4,200 00 

1,853 00 
4,412 08 



4,950 00 

1,000 00 
800 00 



154 



LIFE INSURANCE COMPANIES [Dec. 31, 



Chicago, Kansas & Western Railroad bonds, 
Atchison, Topeka <& Santa Fe Railroad bonds, 
15 shares Now York & Now England Railroad 
10 shares Chic, St Paul, Minn. cV Omaha R.R 
Ohio cV Mississippi Railroad bond-. . 
Chicago, St. Louis & Pittsbunr Railroad bonds 
Mt. Vernon Water ( !o .Mt. Vernon, N.Y., bonds 
Southern Kansas Railroad bonds, 
Memphis & Charleston Railroad bonds, . 

lo shares Flint & Pere Marquette Railroad, 
12o " Cam &Roek. Wat Co., Camden, Me 

63 " Cam & Rock. Wat. Co , Camden, Me 
3 " American Bell Telephone Co , 

20 " Old Colony Railroad, 
Grand Ave. R R. Co., Kansas City, Mo , bonds 
100 shares Cam. & Rock Wat. Co , Camden, Me 
45 shares Auburn Aqueduct Co., Auburn, Me 
Corrigan Consolidated Street Railway bonds, 
Chicago & Great Western Railroad bonds, 
Portage City Water Company, Portage, bonds 
City of Rockland, Me , bonds, . 
Rochester Water Co., Rochester, Minn , bonds 
Jeffersonville Water Co , Ind., bonds, 
Kankakee Water Co., Kankakee,^Lll., bonds, 
Atlantic & Pacific Railroad bonds, . 
25 shares Portland Water Co., Portland, Me , 
Wisconsin Central Railroad bonds, . 
Consolidated Railroad of Vermont bonds, 
95 shares Nat. Shoe and Leath. B'k, Auburn, Me 
Lime Rock Railroad Co , Rockland, Me , bonds 
270 shares Flint & Pere Marquette Railroad, 
Utica Belt Line Street Railway bonds, 
Chicago & West Michigan Railroad bonds, 
Wisconsin Central Railroad bonds, . 
St Joseph & Grand Island Railroad bonds, 
( it v of Portland, Me , bonds, . 



Schedule B. 



Market value. 

$770 00 ^ 
990 00 ' 
1,680 00 
1,145 00 j 
2,240 00 1 
1,000 00 
1,000 00 
577 50 
1,040 00 
920 00 
15,625 00 
7,875 00 

609 00} 
3,500 00 > 
1,970 00 ) 
12,500 00 
5,625 00 
61,800 00 ) 
27,540 00 S 
495 00' 
198 00 
495 00 I 
495 00 I 
495 00 J 
5,180 00 
3,000 00 
5,820 00 ) 
4,350 00 S 
10,450 00 
25,000 00 
24,840 00 ) 
6,000 00 S 
1,840 00 
5,820 00 
5,100 00 
500 00 



Amount loaned. 



j> $3,365 77 



5,100 74 



10,000 00 
5,000 00 

5,000 00 

10,000 00 
3,800 00 

75,000 00 



1,900 00 

5,000 00 
2,000 00 

9,000 00 

9,000 00 
22,000 00 

25,000 00 

1,287 00 
10,000 00 

450 00 



$388,537 00 $295,842 97 



Stocks and Bonds owned by the Company. 



United States bonds, .... 

Atchison, Topeka & Santa Fe Railroad bonds 
Chicago & West Michigan Railroad bonds, 
Canadian Pacific Railway bonds, 
Chicago, Burlington & Northern \l.\l. bonds, 
Chicago, Burlington & Quincy Railroad bonda 
( iurrenl River Railroad bonds, . 



Par value. 

$50,000 00 
254,489 58 
125,000 00 
80,000 00 
25,000 00 
22,500 00 
50,000 00 



Market value. 

f63,500 00 

179,367 93 

115,000 00 

87,200 00 

25,1S7 50 

25,396 88 

50,000 00 



!8«9.] 



OF OTHER STATES. 



155 



Tar value. Mirket valne. 

ft Michigan Railroad -bonds, . . .000 00 

ft Rio Grande Railroad bonds, . . .00 39,500 00 

: khorn ft Missouri Val B B bonds, ,7a I 00 

Marquette BaOroad bonds, , . ,000 00 60,750 00 

1 Avenue K'y. Kansas City, Mo., bonds ,000 00 49,250 00 

- ph Railroad bonds, . . 50,000 00 

- - Missouri Bailroad bonds . . 10,000 00 10,000 00 

unci] Brflfe B U bonds, 27,0 00 2,670 00 

Railway bonds, . . . 50,000 00 58, '00 

Kane a ble Railway bonds, ... '00 

Kansas City, Ft. Scott ft Memphis B B boi ,000 00 00 

Lincoln ft Northwestern Railroad bonds, . .00 

Lim Baflroad, Rockland. Me , bonds, . 00 00 

ghtonftOnl B R bonds, HX) 00 00 

lephone and T. 00 51.250 00 

ft St Paul Railroad bonds, . . 44,100 00 

V k ft New England Railroad bonds, 00 58, '00 

Ohi<» ,\: Mississippi Railr sd ; . . 00 00 

Oregon Railway and J, . 00 51._ 

tarksville Railroad bonds, . . 25,625 00 

I le'sSl I:";. •< of Luzerne Co, Fa, 25, 27,250 00 

: 'sS1 K'y A E L ftP < o.,St Jo, Mo, bonds, 10,000 00 00 

sS R'y &E.L &PJ StJo,M k, -WOO >0 00 

Phfladelphi ling Railroad bonds, . . 25, -00 22,125 

shares Portland, 9 ft] ts to Hi:.. H.. b." 1 -! 00 

" rtownftOg - crgRJLboi 31,000 00 33,675 00 

n Island Rapid Transit Railroad bonds, . 1 ',000 00 11,200 00 

a Pacific, Lincoln ft Colorado RJBL boi 00 ' 00 

Utah ft Northern Railway bonds, . . »00 00 25,000 00 

isin Valley Railroad bonds, . . . '00 00 4,920 00 

Americas, Ga . boa 10,000 00 10. 

Berlin, N. H , bonds 7 ."00 00 6,895 00 

>unty, HL, bonds .... . >00 00 10.50000 

Water ( ,Ch ga, Tenn , bonds, . 30,000 00 29,400 00 

Chicag jot and Coke Company 25,000 00 23,312 50 

re city, , bonds '00 00 7 50 

;aty. Kan., 15,000 00 15,300 00 

land County, O , bonds 20, 00 21,450 00 

inty, Ala, bonds 25,000 00 28,750 00 

isrille, Ky., bonds, 25,000 00 25,625 00 

Manitowoc, Wis., water bonds, .... 25.000 00 24,437 50 

Minneapolis. Minn., bonds 10,000 00 10.5O0 00 

Miami County. O . bonds, 41,000 00 44.485 00 

Omaha city, Neb., bonds 25.000 00 26,937 50 

Pueblo city. Col . bonds 15,000 00 17,100 : : 

I . water boo .... 25,000 00 28,-75 00 

uond. Va. bonds, 10,000 00 14,100 00 

- jldon, Vt.. bonds 2.000 00 2,000 00 

rerre Haute. Ind , bond, .... 10,000 00 10,200 00 



156 



LIFE INSURANCE COMPANIES [Dec. 31, 



Vigo County, Ind., bonds, .... 
Wakefield, Mass., Water Company bonds, 
Biddeford Nat. Bank, Biddeford, Me., stock, 
(anal National Bank, Portland, Me., stock, 
Caseo National Hank, Portland, Me , stock, 
Cumberland Nat Bank, Portland, Me., stock, 
First National Bank, Auburn, Me , stock, 
First National Bank, Wiscasset, Me., stock, 
First National Bank, Lewiston, Me., stock, 
First National Bank, Bangor, Me., stock, 
First National Bank, Biddeford, Me., stock, 
First National Bank, Portland, Me., stock, 
Flour C'y Nat. B'k, Minneapolis, Minn , stock 
Importers 1 and Traders' Nat. Bank, N. Y., stock 
Interna 1 ! L. & T. Co., Kansas City, Mo., stock 
Knickerbocker Trust Co., New York, stock, 
Lime Rock Nat. Bank, Rockland, Me , stock, 
Manufacturers 1 Nat. B'k, Lewiston, Me., stock 
Merchants 1 National B'k, Portland, Me., stock 
National Bank, Kansas City, Mo , stock, . 
National Traders 1 Bank, Portland, Me., stock 
North National Bank, Rockland, Me., stock, 
Northern National Bank, Hallowell, Me , stock 
Norway National Bank, Norway, Me , stock, 
Peopled National Bank, Waterville, Me , stock 
Portland National Bank, Portland, Me., stock 
Richmond Nat. Bank, Richmond, Me , stock, 
Rockland National Bank, Rockland, Me , stock 
Schuster Hax N'l Bank, St. Joseph, Mo , stock 
Sioux Falls Nat. Bank, Sioux Falls, Dak., stock 
Ticonic National Bank, Waterville, Me , stock 
Province of Ontario annuities, , 



Tar value. 

$25,000 00 

25,000 00 

2,000 00 

20,000 00 

20,000 00 

4,120 00 

2,000 00 

1,000 00 

10,000 00 

1,200 00 

3,800 00 

6,200 00 

5,000 00 

5,000 00 

20,000 00 

4,000 00 

4,200 00 

5,000 00 

1,425 00 

5,000 00 

2,100 00 

10,000 00 

10,000 00 

1,000 00 

3,000 00 

20,000 00 

700 00 

5,000 00 

5,000 00 

2,000 00 

3,500 00 



Market value. 

$26,000 00 

24,375 00 

2,900 00 

29,400 00 

25,800 00 

4,532 00 

2,960 00 

1,220 00 

16,500 00 

1,800 00 

6,460 00 

6,200 00 

5,650 00 

28,000 00 

21,400 00 

6,200 00 

4,500 00 

6,500 00 

2,318 00 

8,650 00 

2,646 00 

15,000 00 

14,000 00 

1,230 00 

4,080 00 

20,400 00 

826 00 

8,250 00 

5,900 00 

2,300 00 

4,760 00 

255,389 54 



Cost, 



$2,161,434 58 $2,539,725 35 

. 2,517,684 60 



Excess of market value over cost, 



$22,040 75 



"UNITED STATES LIFE INSURANCE COMPANY IN THE CITY 
OF NEW YORK, 11 NEW YORK, N. Y. 

[Incorporated February, 1850. Commenced business March, 1850.] 
Paid-up Capital, $440,000. 

George H. Burford, President. C. P. Fraleigh, Secretary. 

Income. 
New premiums without deductions, $359,354 01 

Renewal premiums, 705,511 67 



Total, 

Deduct amount paid for reinsurance, 

Total premium income, 
Cash received for interest, 



§1,064,865 68 
2,922 54 



$1,061,943 14 
274,922 23 






:er states 

s property. 



Gash re - "t company 

•d for profit and loss, 

■ il income, 
^rledg- Bets. Dee. 31, 1S>>. 

a 



DISBURSEMENTS. 

- 1 paid for losses and ad 

I -ii paid for matured endowment- and additions. . 

Gross amount paid for losses and endowmer. 

Cash paid to annuitant-. 

1 paid for surrendered poll ies 

- paid policy-holders applied in payment of 
premiums, 



Total paid policy-holders 

1 i paid for divi«: stockholder- 

for commissions to agents 

for salaries and travelling expenses of agents, 
for medical examine .... 

for - - of officers and office employe- - 

for taxes and fees 

for ren I 

for adver: Lsd _. 

for inciden: - ...... 



157 

$857 46 

12,8 

J 39 



47. 

97 
" 9 31 

- 47 

- 44 
$662,446 19 

132,0)3 79 

- 61 
1-. - 

44. _ 
17. \ 

21.106 24 
18,411 
30,06» 



Total disbursements. 



$1,034,771 83 



Balance, 

Invested in the following : — 

Assets as per Ledges Aoo 

value of real estat ... 

- n mortgage of real est I first liens), 

- n collateral security (schedule A), 
Premium notes or loans on policies in force. 

value of stocks and bonds owned (schedule B), 
Cash in company's office. . 
Cash deposited in bank. . 
Bills receivable, .... 

its" ledger balances. . 

Ledger assets is per balance . 

Other Assets. 

Interest due and accrued 

Market value of real estate, over cost, 
Market value of stocks and bonds, over c 



-- 1 



- 
22 

132.433 11 

172.770 16 

469 07 
70,71( 

12.914 12 

24.159 35 

: ..'22 07 



L15 89 
41,869 47 
120,512 45 



158 LIFE INSURANCE COMPANIES [Dec. 31, 

Uncollected premiums on policies in force, . £104,582 76 
Deferred premiums on policies in force, . . 109,795 12 



Total, |214,377 88 

Deduct loading (20 per cent.), . . . . 42,875 5B 

Net am*t of uncollected and deferred prem's, . $171,502 30 



Total assets per company's books, $6,303,622 18 

Items not admitted. 
Agents 1 balances, $24,159 35 

Bills receivable, 12,914 12 

Total, 37,073 47 



Total admitted assets, $6,266,518 71 

Deduct special deposits in other States, 116,050 00 



Balance, $6,150,498 71 

Liabilities. 
Computed premium reserve or net present value of all out- 
standing policies (actuaries' 4 per cent.), . . . .$5,651,330 00 
Deduct net value of reinsured risks, 42,394 00 



Net reinsurance reserve, $5,608,936 00 

Death losses and matured endowments in 
process of adjustment, . 



Claims resisted by the company, 

Total policy claims, . 
Premiums paid in advance, 
Liability on lapsed policies, 
All other liability, . 



Liabilities as to policy-holders, 



$19,300 00 
15,500 00 



34,800 00 
1,694 97 
3,785 00 
7,136 19 



. £5,656,352 16 



Deduct liabilities on special deposits, 81,149 00 



f5,575,203 16 
Surplus as regards policy-holders, . . . $575,295 55 

Paid-up capital, 440,000 00 

Surplus over capital, 135,295 55 



Gross liabilities, £6,150,498 71 

Premium Note Account. 

Premium notes on hand Dec. 31, 1888, . . £154,036 02 

Premium notes received during 1889, . . . 54,247 00 

Total, $208,283 02 

Used in payment of losses and claims, . . $3,385 71 
Used in payment of surrendered policies and 

voided by lapse, 11,247 74 

I's.d in | Kiyment of dividends to policy-holders, 31 06 

Redeemed by maker in cash, .... 20,848 35 

Total, 35,512 86 



Balance note assets, Dec. 31,1889, $172,770 16 



1889.] 



OF OTHER STATES. 



159 





Exhibit of Policies. 




Whole Life, 
Endowment, 

All other, . 
Reversionary 


Policies and Additions in force Dec. 31, 1888 

Number. Amount. Total No. 

. 9,978 $19,778,091 00 

. 1,711 2,882,242 00 

877 2,794,926 00 

additions, . - 297,008 00 






±L.,U\J\J 


Whole life, 
Endowment, 

All other, . 


Policies issued during the Year. 
. 1,546 $3,036,345 00 
249 438,400 00 
. 1,428 4,988,880 00 






•',__" 


Whole life, 
Endowment, 
All other, . 


Old Policies revived 
22 $53,500 00 
10 14,500 00 
66 170,115 00 


98 
ed. 


Whole life, 
Endowment, 
All other, . 


Old Policies changed and increas 
20 $57,500 00 
4 9,690 00 
22 69,000 00 



Total Amount. 



$25,752,267 00 



8,463,625 00 



238,115 00 



46 



Additions bv dividends, 



136,190 00 
685,651 00 



Total, 15,933 $ 35,275,848 00 



Whole life, 
Endowment, 
All other, . 



Policies terminated during the Year. 
. 1,390 §2,904,224 00 
236 427,675 00 

437 1,512,677 00 



2,063 $4,844,576 00 
How terminated. 



By death, . 




210 


$367,190 00 




maturity, 




36 


46,731 00 




expiry, 




23 


64,600 00 




surrender. 




96 


225,715 00 




lapse, . 


. • • 


1,132 


2,605,050 00 




change an 


d decrease, . 


45 


249,690 00 




Xot taken, . 


. 


521 


1,285,600 00 


4,844,576 00 










Policies in force Dec. 31, 1889. 




Whole life, 


• i 


10,176 


$20,021,212 00 




Endowment, 


# 


1,738 


2,917,157 00 




All other, . 


. 


1,956 


6,531,221 00 




Reversionary 


additions, 


— 


961,682 00 

13,870 


$30,431,272 00 



1(30 



LIFE INSURANCE COMPANIES [Dec. 31, 



Schedule A. 
Securities held as Collateral. 

Market value 

100 shares Missouri Pacific Railroad, 

75 -harts Western Union Telegraph Co., 

Missouri Pacific Railroad bonds, 

1C3 shares American Telegraph and Cable Co., 

66 sbar< a New York, Lack. & Western R.R., . 

Missouri Pacific Railroad bonds, 

40 shares American Telegraph and Cable Co , 

25 shares American Telegraph and Cable Co., 

( 'hieago, St Louis & New Orleans R.R. bonds, 

Canada Southern Railroad bonds, . 

COO shares Delaware, Lack. & Western R.R,., . 



100 " Manhattan Elevated Railroad, 

100 " Cleve , Cin , Chic. & St. Louis R.R., 

15 " United States Trust Company, 

16 " United N. Jer. R.R. and Canal Co., 

Schedule B. 

Stocks and Bonds oivned by the 

United States bonds, 

District of Columbia bonds, 

Jersey City water loan, 

Jersey City bonds, .... 

Jersey City water scrip, 1902, . 

Jersey City improvement bonds, 

City of Newark, N. J., bonds, . 

New York, Lackawanna & Western R'y bonds 

Oswego & Syracuse Railroad bonds, 

Chicago & Northwestern Railway bonds, 

Chicago, Milwaukee & St. Paul R'y bonds, 

Missouri Pacific Railway bonds, 

Central Iowa Railway bonds, . 

St. Louis, Iron Mt & So. R'y & Land Grant bonds 

St. Louis & Iron Mountain Railroad bonds, 

Chicago, Burlington & Quincy Railway bonds 

Missouri, Kansas & Texas Railway bonds, 

New York Central Railroad bonds, . 

Louisville & Nashville Railroad bonds, . 

Kansas Pacific Railway bonds, . 

( hieago, St. Paul, Minn. & Omaha R'y bonds 

Burl., Cedar Rapids & Northern R'y bonds, 

Chicago, Rock Island & Pacific R'y bonds, 

Metropolitan Elevated Railway bonds, . 

Wesl Shore Railroad bonds, 

Last Tenn., Va. & Georgia Railway bonds, 

Iowa Central Railway stock, . 



$7,200 00^ 
6,225 00 | 
1,045 00 \ 
13,855 00 | 
7,062 00 J 
2,090 00 
8,400 00 
2,125 00 
5,880 00 ' 
53,250 00 
40,650 00 \ 
10,200 00 1 
9,800 00 J 
11,100 00 
3,552 00 



Amount loaned. 

12,200 00 

2,533 11 
1,200 00 

100,000 00 



5,000 00 
1,500 00 

$177,434 00 $132,433 11 



Company. 

Cost. 

$57,805 29 

131,384 40 

3,855 00 

53,160 00 

109,342 50 
55,425 00 

162,000 00 
47,801 98 
30,600 00 
99,099 32 
97,473 46 

212,496 75 
71,550 00 
35,732 88 
53,456 64 
46,195 21 
20,278 33 

182,197 50 
43,920 00 
74,917 61 
27,750 00 
42,000 00 

104,750 00 
14,933 31 

101,817 46 

24,518 41 

4,100 00 



Market value. 

$54,625 00 

148,200 00 

4,095 00 

61,250 00 

109,225 00 
53,352 50 

168,200 00 
53,721 60 
32,751 00 

107,250 00 

110,000 00 

221,834 00 
77,022 00 
44,250 00 
53,417 00 
52,335 00 
18,125 00 

187,457 90 
54,000 00 
85,312 50 
30,375 00 
46,875 00 

104,750 00 
15,820 00 

104,000 00 

25,830 00 

5,000 00 



$1,908,561 05 $2,029,073 50 



1889.] 



OF OTHER STATES. 



161 



VERMONT LIFE INSURANCE COMPANY;' BURLINGTON, VT. 

[ Incorporated Oct. 28, 1863. Commenced business Jan. 1, 1869.] 
r aid-up Capital, $100,000. 

William II Hast, President. C. R. Turrill, Secretary. 

Income. 

New premiums without deductions,. 

Renewal premiums, 

Premiums paid by dividends, including additions, 

Total, 

Deduct amount paid for reinsurance, 



Total premium income, 

h received for interest, 

i received for rents of company's property 

Income from all other sources, 

Total income, 

Net or ledger assets, Dec. 31, 18S8, . 

Total, . . 

Disbursements 
Cash paid for losses and additions, . 
Cash paid for matured endowments and additions, 

Gross amount paid for losses and endowments, 
Cash paid for surrendered policies, .... 
Cash dividends paid policy-holders, $ 45.63 ; applied in 
ment of premiums, $1,934.68, 

Total paid policy-holders, . 
Cash paid for dividends to stockholders, . 

for commissions and salaries to agents, 

for medical examiner's fees, . 

for salaries of officers and office employees, 

for taxes and fees, 

for rent, 

for advertising, 

for incidentals, 

Total disbursements, 

Balance, 

Invested in the following: — 

Assets as per Ledger Accounts 

Cost value of real estate, 

Loans on mortgage of real estate (first liens), 
on collateral security (schedule A), 
on company's policies assigned as collateral, 





$22,353 60 




48,625 48 




1,934 68 




$72,913 76 




612 94 




$72,300 82 




18,284 74 




529 00 




1,638 28 




$92,752 84 




314,987 42 




$407,740 26 




£17,424 04 




4,018 00 




£21,442 04 




8,407 09 


pay- 






1,980 31 




$31,829 44 




6,000 00 




26,510 05 




3,013 75 




5,908 00 




2,010 89 




1,907 05 




722 82 




4,540 13 




$82,442 13 




. $325,298 13 



$25,705 05 

229,541 39 

3,100 00 

10,933 54 



162 



LIFE INSURANCE COMPANIES [Dec. 31, 



Premium notes or loans on policies in force, . 

( osl value of stocks and bonds owned (schedule B), 

( !ash in company's office 

( lash deposited in hank, ...... 

Agents 1 Ledger balances, 

Furniture, 



Ledger assets (as per balance), 



n $1,513 77 

46,702 50 

608 16 

8,889 17 

2,793 7o 

515 55 

|325,298 13 



Otiiek Assets. 
Interest due and accrued, .... 
Rents due and accrued, .... 
Market value of veal estate, over cost, 
Market value of stocks and bonds, over cost, 
Incollected premiums on policies in force, 
Deferred premiums on policies in force, . 

Total, 

Deduct loading (20 per cent.), . 

Net am't of uncollected and deferred prem's, 

Furniture and fixtures, .... 

Total assets per company's books, 



$10,795 69 
23,844 53 

$34,640 22 
6,928 04 



8,065 18 

130 25 

29,131 24 

9,444 50 



27,712 18 
2,818 72 

. §402,600 20 



Items not admitted. 



Office furniture, etc., . 
Agents' balances, 
Total, . 

Total admitted assets, 



$3,334 27 
2,793 70 



6,127 97 



f396,472 23 



Liabilities. 

Computed premium reserve or net present value of all out- 
standing policies (actuaries 1 4 per cent.), 

Death losses due and unpaid, .... $186 00 

Death losses and matured endowments in proc- 
ess of adjustment, 6,758 86 

Claims resisted by the company, . . . 400 00 

Total policy claims, .... 

Due for borrowed money, 

Liabilities as to policy-holders, . 
Surplus as regards special policy-holders, 
Surplus as regards other policy-holders, . 



Gross surplus, 
Paid-up capital, . 

Impairment of capital, 



§309,430 00 



. 


7,344 86 

80 00 


$646 53 
78,970 84 


§316,854 86 


$79,617 37 


100,000 00 
20,382 63 



1889.] 



OF OTIIKR STATES. 



163 



Exhibit of Policies. 
Policies "fn/ Additions in force Bee. 31, 1888. 

Number. Amount. Total No. Total Amount. 

Whole life, . . . 1,378 $814,681 00 
Endowment, . . . 1,263 1,188,677 00 

All other 87 44,000 00 

2,678 $1,997,358 00 



Whole life, 
Endowment, 
All other, . 



Policies issued during the Year. 
. 1,205 1338,356 00 
!>(>;> 668,882 00 

216 211,400 00 



Whole life, 
Endowment, 

Additions by dividends, 
Total,. 



Old Policies revivi d. 

1 $200 00 
3 5,000 00 



2,386 1,218,638 00 



5,200 00 
211 00 



5,068 $3,221,407 00 



Whole life, 



Policies lerminati d (hiring the Y< ar. 
736 f 286,643 00 



Endowment, 


580 


436,536 00 


All other, . 


77 


73,500 00 




1,393 


$746,679 00 




How terminated. 


By death, . 


35 


$24,800 00 


maturity, 


5 


3,986 00 


expiry, . 


3 


2,500 00 


surrender, . 


69 


73,543 00 


lapse, . 


849 


393,550 00 


change and decrea; 


se, . 


4,500 00 


Not taken, . 


432 


243,800 00 



1,393 



746,679 00 



Whole life, 
Endowment, 
All other, . 



Policies in force Dec. 31, 1889. 

. 1,908 $916,805 00 

. 1,591 1,376,023 00 

176 181,900 00 



3,675 $2,474,728 00 



Schedule A. 

Securities held as Collateral. 

Market value. Amount loaned. 

113 shares National Car Company, . $4,520 00 f 3,800 00 

5 " Vermont Loan and Guarantee Co.,. 550 00 350 00 

70 " National Car Company, . . . 2,800-00 1,000 00 



164 



LIFE INSURANCE COMPANIES [Dec 31, 



Life insurance policy assigned, 
."» Bhares Borne Investment Company, 
Sullivan County, Minn , township bonds, 
Missouri Trust Company bonds, 



Less deduction by company, 



Market value. 


Amount loaned. 


- 


$oi lO 00 


|550 00 


400 00 


500 00 


250 00 


800 00 


800 00 


£9,720 00 


7,100 00 


. 


4,000 00 



Schedule B. 

Stocks and Bonds owned by the Company. 



255 shares Merchants 1 National Bank, 

170 " Howard National Bank, . 

152 " Burlington Gas Light Company, 

2 " Burlington Improvement Company, 
Burlington city bonds, ..... 
National Car Company bonds, . 
Vernon County, Mo, school district bonds, . 



$3,100 00 



Cost. 


Market value. 


$1 1,641 50 


115,300 00 


17,000 00 


21,250 00 


3,800 00 


4,105 00 


20 00 


20 00 


3,241 00 


3,392 00 


10,500 00 


11,550 00 


500 00 


530 00 


§40,702 50 


$56,147 00 



"WASHINGTON LIFE INSURANCE COMPANY/ 1 NEW YORK, N. Y. 

[Incorporated January, 1860. Commenced business Feb. 2, I860.] 

Paid-up Capital, $125,000. 

W. A. Brewer, Jr.', President. Wm. Haxtun, Vice-Pres. and Sec'y. 



Income. 

New premiums without deductions, 

Renewal premiums, 

Cash received for annuities, 

Total j^remium income, 

Cash received for interest, 

as discount on claims paid in advance, 
for rents of company's property, 
for profits on securities, . 

Total income, . . ... 

Net or ledger assets, Dec. 31 1888, .... 



$547,258 87 

1,419,065 43 

9,500 00 

$ 1,975,824 30 

444,275 15 

4,541 75 

13,625 33 

93,662 11 

$2,531,928 64 

8,92; , ..!»;.l ) 38 



Total, . 



1,455,881 02 



1889.] 



OF OTHER STATES. 



1G5 



Disbursements. 
Cash paid for losses and additions, . 
Cash paid Eo* matured endowments and additions,. 

Gross amount paid for losses and endowments, 
( lasfa paid to annuitants, .... 
Cash paid Cor surrendered policies, . 

Return premiums 

Cash dividends paid policy-holders applied 
premiums, ." 



in payment of 



Total paid policy-holders, . 

paid for dividends to stockholders, . 
for commissions to agents, 
for salaries and travelling expenses 

for medical cxaminerV fees, . 
for salaries of officers and office em 
for taxes and fees, . 

for rent, 

for commuting commissions, . 

for advertising, 

for incidentals, .... 

Total disbursements, .... 

Balance, 



of agents, 
ployees, . 



. $596,776 


78 


227,70 1 


16 


. $824,480 


94 


8,758 


83 


266,479 


30 


2,325 
p 


18 


177,564 


00 


. $1,279,608 


25 


8,690 


50 


181,642 


72 


74,829 


33 


27,883 


45 


71,057 


83 


22,294 46 


10,500 


00 


77,293 


55 


22,679 


99 


72,196 


80 


. $1,848,676 


88 


. $9,607,204 


14 



Invested in the following : — 

Assets as per Ledger Accounts 

Cost value of real estate, 

Loans on mortgage of real estate (first liens), 
on collateral security (schedule A), 
on company's policies assigned as collateral, 

Cost value of stocks and bonds owned (schedule B), 

Cash in company's office, 

Cash deposited in bank, 

Agents' ledger balances, 



Ledger assets (as per balance), 

Other Assets. 

Interest due and accrued, .... 
Market value of stocks and bonds, over cost, 
Uncollected premiums on policies in force, 
Deferred premiums on policies in force, . 

Total, 

Deduct loading (20 per cent), . 

Net am't of uncollected and deferred prem's, 

Total assets per company's books, 



$128,315 93 
234,642 27 



$362,958 20 
72,591 64 



$439,173 26 

8,234,342 92 

240,500 00 

264,927 83 

341,711 13 

7,258 60 

25,187 03 

54,103 37 

^9,607,204 14 



94,899 20 
80,901 37 



290,366 56 



$10,073,371 27 



L66 LIFE INSURANCE COMPANIES [Bee. 31, 

Items not admitted. 
Agents 1 balances, t,108 87 



Total admitted assets,! $10,019,267 90 

Deduct Bpecial deposits in Virginia, 10,800 00 



Balance, $10,008,967 90 

Liabilities. 
Computed premium reserve or net present value of all out- 
standing policies (actuaries' 4 per cent.), .... $9,641,037 00 
Death losses due and unpaid, .... $11,541 90 
Matured endowments due and unpaid, . . 4,379 34 
Death losses and matured endowments in proc- 
ess of adjustment, - . 1,000 00 

Total policy claims, 16,921 21 

Unpaid dividends due stockholders, 322 00 

Due for salaries, rent, etc , and office expenses, . . . 3,416 G5 

Premiums paid in advance, 6,210 99 



Liabilities as to policy-holders, $9,667,907 88 

Deduct liabilities on special deposits, 10,300 00 

§9,657,607 88 
Surplus as regards policy-holders, . . . $351,360 02 

Paid-up capital 125,000 00 

Surplus over capital, . 226,360 02 

Gross liabilities, $10,008,967 90 

Exhibit of Policies. 
Policies and Additions in force Dec. 31, 1SSS. 

Number. Amount. Total No. Total Amount. 

Whole life, . . . 9,915 $21,651,42100 
Endowment, . . . 9,358 20,114,576 00 
Reversionary additions, . - 1,002,037 00 

19,273 $12,768,034 00 

Policies issued during the Year. 

Whole life, . . . 2,076 $1,549,183 00 
Endowment, . . . 2,817 5,365,208 00 

4,893 9,914,391 00 



Old Policies revived. 

Whole life, ... 97 $186,851 00 

Endowment, ... 129 261,000 00 

All other, .... - 20,473 00 



226 471,327 00 

Additions by dividends, - 278,049 00 

Total, 24,392 $5;;, 131,801 00 



39.] 



OF OTIIKR STATES. 



167 



Poli'-ii:* terminated during the Y< ar. 

Number. Amount. Total No. 

Whole li ... 1,838 3,875 00 

Endowment, . . .2,01 8,916,367 00 

All oth r - "-00 



Total Amount. 





3,364 


-7. ■11.177 00 




How terminatt 


By death 




$604,1U 00 


maturity, 




8 00 


surrender, 


472 


1,225,528 00 


lapse 


1,642 


92 00 


change and de 


23 


6,227 00 


taken, . 




1,992,458 00 



3,364 §7,041,47 



fyrce Dec. 31, J 

Whole li . . . 10,7f ,518,583 00 

Endowment, . . . 10,278 21,827,417 00 

Reversionary additions, . - 1,044,324 00 



21,028 | .324 00 



Schedule A. 

Jicld as nl. 

Market value. 

mares Manhattan Railway, . . . >,000 00 

Missouri Pacific Railway, 
100 " Canada Southern Railway, 

Richmond Terminal Railroad bonds, 
Delaware and Hudson (anal Company bonds, 

Wabash Railway bonds, 

Wabash Railway bonds, 

Delaware, Lack. & Western R R , . 



100 " Omaha Railroad, .... 
1'iD " Clev., Cin, Chic. & St. Louis R.R., . 

Chicago,Rock Island & Pa vitic R.R , 

200 " Xew York Central Railroad, . 

100 " Lake Shore Railroad, 

300 " Canadian Pacific Railroad, 

100 " St. Paul, Minneapolis & Man. R R., 

300 " Chicago, Rock Island & Pacific R R., 

United States bonds, 

Delaware and Hudson Canal Company bonds, 



K) 00 

•0 00 

7.700 00 

00 00 

2,000 00 

10,000 00 

13,500 00 

9,800 00 

9,800 00 

49,000 00 

00 

10,400 00 

21,900 00 

11.250 00 

29,100 00 

38,100 00 

6,360 00 



Amount loaned. 



.000 00 



100,000 00 



8290,010 00 
Schedule B. 

Stocks and Bonds owned by the Company. 

Cost. 

Xew York city bonds, §225,312 50 

Brooklyn water loan, 106,098 63 

Richmond, Va , bonds, 10,300 00 



50,000 00 

35.000 00 
5,500 00 

8240,500 00 



Market value. 

8271,312 50 

141,000 00 

10,300 00 

8341,711 13 8422,612 50 






ACCIDENT AND GUARANTEE 

COMPANIES. 



Detailed Statements of Assets and Liabilities, with Abstract 
of Annual Stateme* >r t;ic Ykak ending 

December 31, I8i 






DETAILED STATEMENT OF ASSETS AND LIABILITIES. 



AMERICAN MUTUAL LIABILITY ENSURANi E ( OMPANY, 

BOSTON. 

[Incorporated March 3 »mraenced bu- 

Wm. C. Lovkbing, President. Sydxet A. William-. S 

Detailed Statement of Bonds, r 

. r value. Market value. 

Old Colony Railroad bonds >•". '00 

ston & Lowell l: bonds, . . . 00 00 

Burlington ,v Missouri River Railroad bond 00 

Burlington AQuineyRR. bonds, . "00 

Boston & Albany Railroad bonds, ... 2, 

.nation notes, 75, 75,000 00 



v 



Summabt of Assets Di 



per s hedule, 
i in the office of the company. . 

in bank 

Premiums in course of collection (_ ss . 
Interest due and accrued, .... 

- ne and accrued 

Furniture and fixtures, . . >•" 

di ss ...... 

LIABILITIES 

ss claimed and reported, . 
Unearned premiums on outstanding risks, 

Rents accrued 

ss liabilities, .... 

Surplus, 

Income. 

; premiums received during the ye 
Deduct return premiums 

Xet cash premiums received. . 

ived for interest from all sources, 
Received for rents, 



00 

u 



■ " L 82 



.777 45 



Gross cash income, 

Expenditures. 

Paid for losses during the year 

for salaries and fees of officers and employees, 
for rents, 



2 45 



72 



5 42 

6119.594 46 

183 33 
$123,320 83 



627.158 01 

9.151 63 

900 00 



172 



ACCIDENT AND GUARANTEE [Dec. 31, 



Paid for profits or surplus on terminated policies. . 

for inspections 

for incidental expenses, 

Gross cash expenditures, 

Miscellaneous. 

Amount. Cash premiums, 

Risks outstanding Dec. 81, 1888, |4,559,405 00 |91,188 11 
Risks written during 1889, . 20,271,048 00 120,312 18 



46,576 61 
8,116 09 
1,880 41 

188,782 75 



Contingent 
premiums. 

? 155,940 55 
601,500 90 



Total, 124,830,453 00 $211,500 29 

Risks terminated during 1889, . 4,597,269 00 91,945 38 



,057,501 45 
459,726 90 



In force at end of year, 



. $20,233,184 00 $119,554 91 |597,774 55 



Losses incurred during the year, 

Percentage of profits or surplus returned during 1889, 51] per 
Average rate to date, 54 per cent. 

Massachusetts Business 
Risks written in 1889, 
Premiums received, cash, . 
Contingent premiums, 
Losses paid, .... 
Losses incurred, 



f37,158 00 

cent. 



15,903,984 00 

88,726 00 

443,630 00 

19,554 00 

26,754 00 



AMERICAN STEAM BOILER INSURANCE COMPANY OF NEW 
YORK," NEW YORK, N. Y. 

[Incorporated Nov. 5, 1883. Commenced business Nov. 7, 18S3.] 
Paid-up Capital, $500,000. 



William K. Lothrop, President. 



Vincent R. Sciienck, Secretary. 



Detailed Statement of Stocks and Bonds. 

Par value. Market value. 

United States bonds, $270,0000 00 $335,187 00 

Third Avenue Railroad, New York, bonds, . 50,000 00 55,000 00 

Chicago & Southwestern Railroad bonds, . 10,000 00 13,000 00 

N. Y. Central & Hudson River R R. bonds, . 10,000 00 11,500 00 

Duluth & Manitoba Railroad bonds, . . 10,000 00 11,200 00 

Union Pacific Railroad bonds, .... 10,00000 11,60000 

Central Pacific Railroad bonds, . . . 10,000 00 11,500 00 

New York, Lackawanna & Western R R, bonds, 2,000 00 ■ 2,400 00 

Morris & Essex Railroad bonds, . . . 5,000 00 6,450 00 

Long Dock, N. Y M bonds, 10,000 00 12,500 00 

Atlantic Avenue Railroad bonds, . . . 10,000 00 11,000 00 

Lehigh and Wilkesbarre Coal Co. bonds, . 10,000 00 12,500 00 

Buffalo c v c Erie Railroad bonds, . . . 10,000 00 12,500 00 

City of Bayonne Water Works bonds, . . 5,000 00 5,500 00 

Holston Sail and Plaster Company bonds, . 25,000 00 85,000 00 

Chicago, Rock Island & Pacific \l\l. bonds, . 10,000 00 10,800 00 



1889.] 



INSURANCE COMPANIES. 



17.°, 






ithern Railroad bonds, . 
Central Railroad of New Jersey bonds, . 
Si Louis, Arkansas & Texas Railroad bonds 
Missouri Pacific Railroad bouds, 
Albany & Susquehanna Railroad bonds, , 

ad Avenue Railroad bonds, 
St Lo, Iron Mt, Cairo, Ark. & Texas B R bonds 

Danville city. Va , bonds 

Knickerbocker Trust Company Btock, 
Chatham National Bank stock. New York, 
North River Bank stock, New York, 
American Exchange National Bank stock, 
National Broadway Bank stock. New ¥brk, 
St Nicholas Bank Btock, New York, 
Commercial National Bank stock, New York. 
Third National Bank stock, New York. . 
City of N. V Consolidated stock dork bonds, 
Kings County Elevated Railroad bonds, . 
Pennsylvania Boiler Insurant-, ick, 

Manufacturers 1 Club of Philadelphia bonds, 
Columbus, 1 locking Yal. & Toledo R R bonds. 
Wheeling', Lake E. and Pitts Coal Co bond-. 
Western Union Telegraph Company stock, 
Consolidated Gas Co. of New York stock. 
Orange, Cross Town & Bloomfield R.R stock, 



Summary of Assets Dec. 

Loans on mortgage of real estate (first liens*), 
Interest due or accrued thereon, 
>to ks and bonds, as per schedule, . 
I ash in the office of the company, . 
Cash deposited in bank, .... 
Interest due and accrued, .... 
Premiums in course of collection (gross), 
Gross assets, 

Liabilities. 
Losses claimed and reported, . 
Unearned premiums on outstanding risks, 
Due and accrued for rent, salaries, etc., . 
Gross liabilities, except capital, 

Surplus as regards policy-holders, . 
Paid-up capital, 



Par value. 

|10,000 00 

20,000 00 

5,000 00 

10,000 00 

25,000 00 

10,000 00 

►0 00 

25,000 00 

7,000 00 

9,550 00 

12,000 00 

4,000 00 

6,825 00 

I 00 

10,000 00 

24,000 00 

I 00 

I 00 

> oo 

5,000 00 
i oo 

20,1 

30,000 00 
10,i 

3,500 00 



Market value. 

$11,000 00 
23,500 00 

4,900 00 
11,000 00 
31,250 no 
11,000 00 

5,250 00 

26,200 00 

12,600 00 

31,037 00 

18,000 00 

>o 00 

21.157 00 

35,750 00 

11,300 00 

31.200 00 

1"7,000 00 

26,250 "0 

19,850 00 

'0 00 

3,600 00 
19,000 00 
25,675 00 

9,000 00 
00 



1894,87 :.072,75i5 00 
31, 1889. 

153,000 00 
936 

1,072,756 00 

826 38 

65,769 46 

2,530 50 

231,436 90 
61.427,256 12 



Surplus over capital, . 



83.500 00 
582 112 42 

4,770 00 



590,382 42 

$836,873 70 

500,000 00 

$336,873 70 



Value of lands mortgaged, . 
Value of buildings thereon, . 
Amount of insurance held as collateral, 



£72,500 00 
44,000 00 
43,350 00 



174 



ACCIDENT AND GUARANTEE [Dec. 31, 



Income. 

Premiums outstanding Dec. 81,1888, . . $188,827 03 
Premiums on risks written or renewed, . . 562,229 72 

Total $751,056 75 

Premiums now in course of collection, . . 231,430 90 

Entire premiums collected, .... |5 19,619 85 
1. 9S reinsurance and return premiums, . . 11,678 79 

Net cash premiums received, .... $507,9-41 06 

Interest received on mortgages, 1,857 94- 

Interest and dividends received from all other sources, . . 53,396 21 

Gross cash income, $563,195 21 



Expenditures. 

Cash paid for losses, 

Cash dividends paid, 

( ash paid for commissions and brokerage, 

for salaries of officers and employees, 
for State and local taxes, 
for inspectors 1 salaries and expenses, 
for incidentals, 

Gross cash expenditures, .... 



$28,550 82 
80,000 00 

125,497 88 
30,073 97 
11,240 12 

165,678 71 
51,634 43 

$492,675 93 



Risks and Premiums. 

rremiums. 

Risks outstanding Dec. 31, 1888, . . .$63,183,582 00 $732,998 42 
Risks written during 1889, .... 73,431,724 00 562,229 72 



Total, 

Deduct risks expired and terminated, 

In force at end of year, 



136,615,306 00 $1,295,228 14 
38,534,853 00 267,983 87 



.$98,080,453 00 $1,027,244 27 



Miscellaneous. 
Premiums received from organization of company, 
Losses paid from organization of company, 

Losses incurred during the v r ear, 

Cash dividends declared from organization of company, 
Dividends declared during the year (16 per cent ), . 
Company's stock owned by directors, . . . . 



,694,115 00 
116,553 00 

32,051 00 
184,000 00 

80,000 00 
281,300 00 



M assaciiusetts Business. 
Risks written during the year, . 
Premiums received, . 
Received for inspections, . 
Losses paid, .... 
Losses incurred, 



$3,064,700 00 

20,459 48 

8,768 31 

114 09 

114 09 



188 



INSURANCE COMPANIES. 



175 



"AMERICAN SURETY COMPANY OF NEW YORK," 

NEW YORK, X. Y. 

[Incorporated April 14, 1884. Commenced business April 15,1884.] 
Paid-ot Capital, $1,000,000. 

Wm. L. Tui'Mioi.M, Presid Fred. F. Nugent, Secretary 

Detailed Statement <>f stocks and Bonds. 

Par value. 

United States bonds 

New York city bonds, ..... 
New York Central & Hudson River U Rstock, 
Western Union Telegraph Company stock, 
Lake Shore & Michigan Southern R R. stock, . 
Consolidated Gas Company stock, . 

■ Trust Company, New York, stock, . 



1160,000 00 

100,000 00 
•2<)(»,000 00 
220,000 00 
180,000 00 
50,000 00 
239,600 00 



Market value. 

|200,250 00 

101,000 00 

216,500 00 

183,700 00 

193,500 00 

46,000 00 

395,340 00 



fl,149,600 00 |1,336,290 00 
Securities held as collateral for cash loans : — 

Market value. Loaned thereon. 

Missouri Pacific Railroad stock. . . . $28,200 00 
St Louis, Iron Mountain & Southern R.B bonds, 1,760 00 



825,000 00 



9,960 00 
Summary of Assets Dec. 31, 18* 



^25,000 00 



Cash value of unencumbered real estate, 
Loans on mortgage of real estate (first liens*), 
Si. cks and bonds, as per schedule, . 
Loan on collateral security, as per schedule, 
-li in the office of the company, . 
deposited in bank, .... 
Interest due and accrued, .... 
Premiums in course of collection (gross), 
Prem's more than three months due, 89,416 56 

Gross assets, 

Deduct special deposits in Canada, . 

Balance, 

Liabilities. 
Claims in process of adjustment, 
Claims disputed or resisted, 
L^nearned premiums on outstanding risks, 

Gross liabilities, except capital, 
Deduct liability on special deposits, 

Surplus as regards policy-holders, . 
Paid-up capital, 

Surplus over capital, .... 



f 2,815 08 

32,571 09 

1,336,290 00 

25,000 00 

391 49 

18,380 72 

6,883 33 

37,657 58 



- f 1,459,489 29 

63,250 00 

. $1,396,239 29 



$53,369 56 

5,000 00 

195,492 11 

£253,861 67 

589 85 



253,271 82 

51,142,967 47 
1,000,000 00 



$142,967 47 



* Value of lands mortgaged, . 
Value of buildings thereon, 
Amount of insurance held as collateral, 



$62,000 00 
38,000 00 
18,000 00 



L76 



ACCIDENT AND GUARANTEE [Dec. 31, 



Income. 

Premiums outstanding Dec. 31, 1888, . . $40,790 04 
Premiums on risks written or renewed, . . 402,889 57 

Total |443,679 6L 

Premiums now in course of collection, . . 17,802 55 

Entire premiums collected, .... $395,877 06 

reinsurance and return premiums, . . 13,352 72 

Net cash premiums received, .... 

Interest received on mortgages, 

Interest and dividends received from all other sources, . 

Gross cash income, 



$382,524 34 

2,270 00 

62,058 05 

|446,852 39 



Expenditures. 

( ash paid for losses, 

Deduct salvage and reinsurance, 

Net cash paid for losses, 

( ash dividends paid, 

( ash paid for commissions and brokerage, 

for salaries of officers and employees, 

for State and local taxes, 

for incidentals, 

Gross cash expenditures, .... 



$119,984 79 
31,076 73 



$88,908 06 

60,000 00 

27,292 01 

83,814 18 

7,413 25 

57,139 82 

$324,567 92 



Surety risks outstanding Dec. 31, 1888, 
Surety risks written during 1889, . 



Risks and Premiums. 

Premiums. 

$54,680,363 00 $356,413 36 
64,620,770 00 402,889 57 



Total, 

Deduct risks expired and terminated, 

In force at end of year, 



$119,801,183 00 f759,302 93 

58,331,461 00 368,318 71 



$60,969,672 00 $390,984 22 



Miscellaneous. 

Premiums received from organization of company, 
Losses paid from organization of company, 
( lash dividends declared i'rom organization of company, 
Dividends declared daring the year (6 per cent), . 
Company's stock owned by directors, . . . . 



$1,342,438 00 

325,960 00 

150,000 00 

60,000 00 

420,700 00 



Massachusetts Business. 

Surety risks written in 1889, 

Premiums received, 



. $1,701,000 00 
11,263 03 



1889.] 



[NSURANCE COMPANIES. 



177 



CONVEYANCERS' TITLE [NSURANCE COMPANY, BOSTON. 

[Incorporated -Tan. 31, 1SS9. Commenced business March 18, 1889.] 
Paid-up Capital, $200,000. 

Feeder* k c. Bowditch, Pre*. J \mks R. Carret, Clerk and Treas. 

Henri II. Edes, Manager. 



Offia . 28 8tat< Street^ Boston. 
Detailed Statement of Stocks. 



100 shares Boston National Bank, . 
100 - Third National Bank, 
40 " National Bank of Commerce, 

Suffolk National Bank, . 
25 " Tremont National Bank, 
•' Hamilton National Bank, 
it " Si ite National Bank, 



Par. value. 

$10,000 00 
10,000 00 
4,000 00 
2,500 00 
2,500 00 
500 00 
4,500 00 



Summary of Assets Dec. 81, 1889. 
Loans on mortgage of real estate (first liens), $162,600 00 

iks, as per schedule, 40,192 50 

Cash in the office of the company, . . . 154 14 

Cash deposited in bank, 4,14.'. 70 

Gross ass< 



Market value. 

$12,200 00 

10,800 00 

5,280 00 

2,887 50 

2,787 50 

612 50 

5,625 00 



$34,000 00 |40,192 50 



$207,092 34 



Profit and loss account, 
Gross liabilities, . 



Liabilities. 



1,970 09 



!,970 09 



Income. 

Net cash premiums received, .... 

ived from forfeits, 

Received from question fees, .... 
Interest and dividends received from all sources, 
Profit on stocks sold, 

Gross cash income, 

Expenditures. 
Cash paid for salaries of officers and emploj^ees, 
for State and local taxes, . 
for organization and incidentals, 

Gross cash expenditures, 

Miscellaneous. 
Premiums received from organization of company, 

Amount covered by policies, 

Company's stock owned by directors, 



$6,113 


00 


1,396 


00 


175 


00 


5,029 


64 


342 


63 


$13,056 27 


$2,770 50 


266 


57 


3,049 


11 



$6,086 18 

$6,113 00 

1,953,300 00 

47,000 00 



178 



ACCIDENT AND GUARANTEE [Dec. 31, 



UNITED STATES BRANCH OF "THE EMPLOYERS 1 LIABILITY 
ASSURANCE CORPORATION, LIMITED," LONDON, ENG. 

Deposit Capital, $400,000. 

Endicott & Macomber, Attorneys. 
Office, 71 Kilby Street, Boston. 



Detailed Statement of 

United States bonds, 

Maine Central Railroad bonds, 
Boston, Clint., Fitch. & N. Bedford R.R. bonds, 
Fall River Railroad bonds, .... 
Old Colony Railroad bonds, .... 
Dexter & Piscataquis Railroad bonds, 
Fitchburg Railroad bonds, .... 
New York Central & Hudson River R.R bonds, 
( Ihicago, Santa Fe & California R.R. bonds, . 
Baltimore & Ohio Railroad bonds, . 
Boston & Lowell Railroad bonds, . 
Leeds & Farrnington Railroad bonds, 
New York & New England Railroad bonds, . 

Lynn city bonds, 

Boston city bonds, ...... 



Bonds. 

Par value. 

$200,000 00 

7,000 00 

1,000 00 

7,000 00 

14,000 00 

50,000 00 

25,000 00 

20,000 00 

25,000 00 

26,000 00 

12,000 00 

18,000 00 

5,000 00 

50,000 00 

21,000 00 



Market value. 

$254,869 79 

8,450 64 

1,197 50 

7,405 68 

15,364 29 

50,750 00 

26,257 40 

25,903 62 

21,250 00 

27,750 78 

12,213 76 

20,110 19 

5,846 77 

54,562 50 

21,682 50 



f 481,000 00 $ 553,6 15 42 



Summary of Assets Dec. 31, 1889. 



Bonds, as per schedule, .... 
( lash in the office of the company, . 
( lash deposited in bank and with trustees, 
Interest due and accrued, .... 
Premiums in course of collection (gross), 

Gross assets, 



$553,615 42 

22 80 

135,489 48 

5,832 58 

147,322 29 



$842,282 57 



Liabilities. 

Losses claimed and reported, . . < . 
Unearned premiums on outstanding risks, 
< oinmissions and brokerage, . 

Cross liabilities, except capital, 

Surplus as regards policy-holders, . 
Deposit capital, 



$73,550 00 

337,568 50 

24,783 00 



Surplus over capital, 



435,901 50 

$-106,381 07 
400,000 00 

$6,381 07 



1889.] 



ENSURANCE COMPANIES. 

Income. 



Set <-:i-li premiums received 

Interest and dividends received from all sources, . 



179 



$628,016 54 
1 t,793 30 



Gross cash income, $642,809 8 I 



Expenditures. 

Net cash paid for l«w-<'< 

Cash paid for commissions and brokerage, 

for salaries of officers and employees, 

for State and local tax 

for incidentals, ..... 

Gross cash expenditures, .... 

Risks and Premiums. 
Risks outstanding Dec. 81, 1888, . . . $46,767,530 00 



Ki-ks written during 18£ 

Total 

Deduct risks expired and terminated, 

In force at end of year, 



. 129,529,996 00 

$176,287,526 00 
. 58,937,511 00 



$180,044 88 

161,870 83 

35,680 23 

7,346 83 

70,303 71 

$155,246 48 
Premiums. 

$348,523 21 

8 97 



(1,311,232 18 
686,095 17 



$117,350,015 00 $675,137 01 



Miscellaneous. 
Losses incurred during the year, 



Risks written during the year, . 
Premiums received, . 
Losses paid, . 
Losses incurred, 



Massachusetts Business. 

Liability. 

. $43,545,784 00 
209,483 00 
.36,392 00 
.68,127 00 



$217,830 00 



Accident. 
$965,925 00 

16,983 00 
12,408 00 
15,473 00 



" THE FIDELITY AXD CASUALTY COMPANY OF NEW YORK," 

NEW YORK, N. Y. 

[Incorporated March 20, 1876. Commenced business May 1, 1876.] 
Paid-up Capital, $250,000. 

Wm. M. Richards, President. Robert J. Hillas, Secretary. 

Detailed Statement of Stocks and Bonds. 

Par value. Market value. 

United States bonds, . \ $25,000 00 $29,375 00 

New York, Lackawanna & Western R.R. stock, 25,000 00 28,000 00 

Pittsburg, Cleveland & Toledo Railroad bonds, 25,000 00 26,875 00 

West Shore Railroad bonds, .... 25,000 00 26,437 50 



180 



ACCIDENT AND GUARANTEE [Dec. 31, 



Par value. 

Brooklyn & Montauk Railroad bonds, . . $25,000 00 

Lake Erie & Western Railroad bonds, . . 25,000 00 

( hicago, Rock Island & Pacific Railroad bonds, 50,000 00 

Central Railroad of New Jersey bonds, . . 25,000 00 

( in , Indiana. St Louis & Chicago R R. bonds 25,000 00 

( hesapeake & Ohio Railroad bonds, . • . 10,000 00 

bangs County Elevated Railroad bonds, . . 10,000 00 

New York city bonds, 200,000 00 

Richmond city bonds, 10,000 00 



Market value. 

$27,500 00 
28,125 00 
53,500 00 
28,125 00 
25,000 00 
11,500 00 
10,700 00 

201,000 00 
10,000 00 



§480,000 00 $506,137 50 



Securities held as collateral for cash loans : — 

Market value. 

Union Pacific Railroad bonds, . . . . $17,250 00^ 

Utah Southern Railroad bonds, . . . 23,000 00' 

Kansas City & Omaha Railroad bonds, . . 12,900 00 

Colorado Central Railroad bonds, . . . 8,800 00 j 

Delaware, Lackawanna & Western R.R. bonds, 40,650 00) 

Chicago, Rock Island & Pacific R.R. bonds, . 17,120 00 \ 

Canada Southern Railroad bonds, . . . 21,900 00) 

Chicago & Northwestern Railroad bonds, . 11,100 00 S 

Western Union Telegraph stock, . . . 41,500 00 ) 

Canada Southern Railroad stock, . . . 21,900 00 $ 

Wabash Railroad bonds, 30,G00 00 

Pullman Palace Car Company stock, . . 18,700 00 ) 

Lake Erie & Western Railroad stock, . . 6,250 00 $ 



Loaned thereon. 

$50,000 00 

50,000 00 

25,000 00 

50,000 00 

25,000 00 

15,000 00 



Summary of Assets Dec 

Cash value of unencumbered real estate, 
Stocks and bonds, as per schedule, . 
Loans on collateral security, as per schedule, 
Cash in the office of the company, . 
Cash deposited in bank, . 
Interest due and accrued, . 

( Fidelity, . 



of J Plate glass, 
• Steam boiler, 
^ Accident, , 



Premiums in course 
collection (gross), 

Plate glass on hand, 
.Miscellaneous, . 
Ledger balances, 

Bills receivable, 



Gross assets, . 
Deduct special deposits in Virginia, 



15,494 86 
300 00 



§5,794 86 



$271,670 00 $215,000 00 

31, 1889. 

$11,000 00 

506,137 50 

215,000 00 

31,752 29 

36,571 80 

4,032 60 

14,767 42 

24,251 87 

6,063 66 

136,842 96 

7,549 72 

17,551 06 



$1,011,520 88 
10,000 00 



Balance, $1,001,520 88 



1889.] 



INSURANCE COMPANIES. 



181 



Liabilities. 

969 Claimed and reported, . 

Losses disputed or resisted, 

(Fidelity, . 
Unearned premiums on • Accident,. 

outstanding risks, . ] Plate glass, 

^ Steam boiler, 
Hue and accrued for rent, salaries, etc., 
Commissions and brokerage, . 

Gross liabilities, except capital, 

Surplus as regards policy-holders, . 
Paid-up capital, .... 

Surplus over capital, . 

Income 

Cash received for fidelity risks, 
Deduct reinsurance and return premiums 
Net cash received for fidelity risks, . 
( ash received for accident risks, 
Deduct reinsurance and return premiums 
Net cash received for accident risks, 
Cash received for plate-glass risks, . 
Deduct reinsurance and return premiums 
Net cash received for plate-glass risks, 
Cash received for boiler risks, . 
Deduct reinsurance and return premiums 
Net cash received for boiler risks, . 
Cash received for interest, 
Cash received for rents, . 

Gross cash income, 



1,115 77 
12,866 75 

99,476 32 
333,491 37 
91,622 52 
5(5,138 44 
864 89 
59,719 80 



$231,463 68 

24,757 78 



1620,615 93 
10,355 05 

$176,973 50 
4,738 54 

$77,901 44 
9,200 13 



$694,795 86 



$306,725 02 

250,000 00 



$56,725 02 



$206,705 90 
610,260 88 
172,234 96 



68,701 31 

21,641 87 

210 00 

,079,754 92 



Expenditures. 

Cash paid for fidelity claims, .... $96,659 51 
Deduct amount recovered, .... 17,668 70 

Net cash paid for fidelity claims, - . . . 

Cash paid for accident claims, .... $179,900 88 
Deduct rebate and reinsurance, . . . 704 90 

Net cash paid for accident claims, . . . 

Cash paid for plate-glass claims, . . . §67,121 45 
Deduct salvage and reinsurance, . . . 10,174 22 

Net cash paid for plate-glass claims, . . 

Cash paid for steam-boiler claims, . . . $1,245 47 

Deduct reinsurance, etc., 175 00 

Net cash paid for steam-boiler claims, . . 

Cash dividends paid, 

Cash paid for commissions and brokerage, .... 
Cash paid for salaries of officers and employees, . 



$78,990 81 



179,195 98 



56,947 23 



1,070 47 

20,000 00 

278,485 38 

105,465 85 



L82 



ACCIDENT AND GUARANTEE [Dec. 31, 



th paid for State and local taxes 

for incidentals, 

for profit and loss account, 

Gross cash expenditures, 

Bisks and Premiums. 

Fidelity risks in force Dec. 31, 1888, . $24,907,430 00 

Fidelity risks written or renewed during 
L889, 



$13,402 72 
156,599 37 

10,490 25 

$900,048 00 

Premiums. 

|161,596 54 



33,001,822 00 215,009 97 



Total, 

Deduct expirations and cancellations, 

In force Dec. 31, 1889, .... 

Accident risks in force Dec. 31, 1888, 
Accident risks written or renewed during 
1889, 

Total, 

Deduct expirations and cancellations, 

In force Dec. 31, 1889, .... 

Plate-glass risks in force Dec. 31, 1888„ . 
Plate-glass risks written or renew r ed dur- 
ing 1889, 

Total, 

Deduct expirations and cancellations, 

In force Dec. 31, 1889, .... 

Steam-boiler risks in force Dec. 31, 1888, 

Steam-boiler risks written or renewed 

during 1889, 

Total, 

Deduct expirations and cancellations, 



$58,029,201 00 
27,382,289 00 

$31,240,972 00 
$50,845,875 00 



$377,200 51 
178,253 87 

$198,952 04 
$320,585 04 



99,438,541 00 099,201 08 



$150,284,410 00 
53,034,750 00 



$90,049,000 00 
$5,200,311 00 



1,025,787 32 
358,804 57 

$000,982 75 
$151,182 71 



6,617,197 00 185,151 12 



$11,877,508 00 
5,303,834 00 



$6,573,074 00 
$10,550,919 00 



$330,333 83 
153,088 79 

$183,245 04 
$95,084 92 



13,599,404 00 73,882 07 



$24,150,383 00 
7,871,009 00 



$109,500 99 
01,491 28 



In force Dec. 31, 1889 

Miscellaneous. 
Premiums received from organization of company, 
Losses paid from organization of company, . 
Cash dividends declared from organization of company, 
Cash dividends declared during the year, 
Total losses incurred during the year, . 
Company's stock owned by directors, . . . . 



$10,285,314 00 $108,075 71 



Premiums received, . 
Losses incurred, 
Losses paid, 

Amount at risk, . 



Massachusetts Business 

Fidelity. 

$1 1.910 48 

3,050 07 

3,050 07 

2,880,124 00 



$4,740,808 00 

1,728,551 00 

140,000 00 

20,000 00 

370,187 00 

63,900 00 

Accident. 

$21,687 60 
8,495 98 
5,838 48 

3,923,000 00 



1889.] 



INSURANCE COMPANIES. 



183 



UNITED STATES BRANCH OF "THE GUARANTEE COMPANY 
OF NORTH AMERICA," MONTREAL, CAN. 

DErosiT Capital, $200,000. 



Alexander T. Galt, President. 



Robert Kerr, Accountant. 



Detailed Statement of Bonds. 



United States bonds, , 
Richmond, Va., city bonds, 

Toronto city bonds, . 
Montreal harbor bonds, . 

Canada Southern Railroad bonds, 
Brooklyn city bonds. 



Far value. 

$14,000 00 

1,000 00 

10,000 00 

17,000 00 

15,000 00 

200,000 00 



Market value. 

$14,700 00 

1,230 00 

11,650 00 

20,145 00 

14,625 00 

216,875 00 



•7,000 00 $279,225 00 



Summary of Assets Dec. 31, 1889. 



Cash value of unencumbered real estate, 

Loans on mortgage of veal estate (first liens *), 
Bonds, as per schedule, .... 
( lash deposited in bank, .... 

Interest due and accrued, .... 
Premiums in course of collection (gross), 
Furniture and fixtures, . . $2,675 32 

Gross assets, 

Deduct special deposits in other States, . 



Balance, $357,045 99 



$4,308 19 
12,022 55 
279,225 00 
57,583 36 
3,082 50 
16,754 39 



$372,975 99 
15.930 00 



Liabilities. 

Losses claimed and reported, . 
Unearned premiums on outstanding risks, 
Due and accrued for rent, salaries, etc., 

Gross liabilities, except capital, 
Deduct liability on special deposits, 

Surplus as regards policy-holders, . 
Deposit capital, .... 



Surplus over capital, . 



$24,248 29 

97,362 47 

1,537 71 

$123,148 47 
2,358 90 



120,789 57 

$236,256 42 
200,000 00 



$36,256 42 



Total value of property mortgaged, 
Amount of insurance held as collateral, 



$15,000 00 
7,500 00 



184 



ACCIDENT AND GUARANTEE [Dec. 31, 



[ncome. 

Premiums outstanding Dec. 31, 1888, 
Premiums on risks written or renewed, 

Total 

Premiums now in course of collection, 

Entire premiums collected, 
Less reinsurance and return premiums, 
Net cash premiums received, . 
Interest and dividends received from all sources, 
( 1 aims recovered, .... 
Gross cash income, 



$10,401 51 

221,203 56 

$210,005 07 

10,754 39 



$223,910 68 
35,997 18 



$187,913 50 

1,158 60 

16,090 10 



|208,462 20 



Expenditures. 

Cash paid for losses, 

Cash dividends paid, 

Cash paid for commissions and brokerage, 

for salaries of officers and employees, 

for State and local taxes, 

for inspections, etc., .... 

for incidentals, 

Gross cash expenditures, .... 



$58,839 67 

6,750 00 

6,379 73 

22,394 75 

4,500 70 

18,117 73 

23,511 69 



$140,494 27 



Risks outstanding Dec. 31, 1888, 
Risks written during 1889, 



Risks and Premiums. 

Premiums. 

. $26,430,271 00 $191,054 50 
. 41,087,883 00 252,286 05 



Total, 

Deduct risks expired and terminated, 

In force at end of year, 
Deduct amount reinsured, 

Net amount in force, 



.$67,518,154 00 $443,340 55 
. 34,952,142 00 240,900 12 



.$32,566,012 00 $202,440 43 
. 1,275,458 00 7,715 19 



4,290,554 00 $194,724 94 



Miscellaneous. 
Losses incurred during the year, 



7 5,754 00 



Massachusetts Business. 

Risks written during the year, 

Premiums received, ....... 

Losses paid, . 

Losses incurred, 



$2,800,110 00 

17,842 76 

3,977 77 

8,977 77 



1889.] 



INSUBANCE COMPANIES. 



185 



•• THE HARTFORD STEAM-BOILEB INSPECTION AND INSURANCE 
( OMPANY," HARTFORD, ( ONN. 

[Incorporated .Time, 1866. Commenced business October, 1866.] 

Paid-dp capital, $500,000. 
J, M. Allen, President. J. B. Pierce, Secretary. 

Detailed Statement of Stocks and Bonds. 



State of ( onnecticuf bonds, 

United state- bonds, . 

Wooster, o , city bonds, . 

Atchison, Kan , city park bonds 

Solomon, Kan., city bonds, 

Hutchison, Kan , city bonds, 

Cnllison, Kan., city bonds, 

Kansas ( ity. Kan . city bonds, 

Coolidge, Kan , city bonds, 

Leavenworth, Kan , city bonds, 

Horton, Kan . city bonds, . 

Evansville, Ind . city bonds, 

Council Bluffs, la., city bonds, 

Winfield, Kan . city bonds, 

Medicine Lodge, Kan , bond-, 

York, Neb., city bonds, 

Columbus, Neb , city bonds, 

Abilene City, Kan., Board of Education bonds, 

Anthony City. Kan.. Board of Education bond-, 

Gladstone, Mich . city bonds, . 

Gladwin. Mich , city bonds, 

Madrid, la . school district bonds, 

Nebraska school bond-. 

Nebraska school bonds, 

Kansas school bonds, 

Kansas school bonds, 

Minnesota school bonds, 

Mason and Tazewell district, 111., bonds, 

Lake Fork district. Ill , bouds, . 

W. C. Special district, 111., bonds, 

Big Slough district, 111., bonds, 

Arizona Canal Company bonds, 

Peoria, 111 , township bonds, 

Oxford, Kan , township bonds, . 

Oswego, Kan., township bonds, 

Jefferson, Kan , township bonds, 

Reno, Kan., township bonds, 

Dexter, Kan., township bonds, . 

Haskell, Kan., township bonds, 

Albion, Xeb , village bonds, *. 



Par value. 
fl00,000 00 

2,000 00 
10,000 00 
15,000 00 

5,000 00 
12,000 00 

6,500 00 
10,000 00 
10,000 00 

6,000 00 
12,000 00 
10,000 00 
10,000 00 

10,000 00 

5,000 00 

10,000 00 

10,000 00 

12,000 00 

12,500 00 

10,000 00 

7,000 00 

3,500 00 

1,000 00 

12,355 00 

11,435 00 

5,000 00 

1,400 00 

13,200 00 

14,010 61 

10,000 00 

15,000 00 

10,000 00 

5,000 00 

10,000 00 

10,000 00 

10,000 00 

15,000 00 

10.000 00 

5,000 00 

6,500 00 



Market value. 

$110,000 00 

2,500 00 
10,800 00 
16,200 00 

5,500 00 

12,600 00 

7,150 00 

10,500 00 

11,000 00 

6,300 00 

12,960 00 

11,000 00 

11,000 00 

10,500 00 

5,400 00 

10,500 00 

10.100 00 

12,600 00 

13,750 00 

10,500 00 

7,700 00 

3,675 00 

1,020 00 

12,972 75 

11,663 70 

5,250 00 

1,470 00 

14,520 00 

15,411 67 

10,500 00 

16,500 00 

10,500 00 

5,000 00 

10,500 00 

10,500 00 

10,500 00 

15,750 00 

10,500 00 

5,500 00 

7,150 00 



186 



ACCIDENT AND GUARANTEE [Dec. 31, 



School Creek Precinct, Clay Co., Neb, bonds, 

Sutton Precinct, Clay County. Neb, bonds. 

Lewis Precinct, Clay County, Neb., bonds, 

Pawnee County, Kan., bonds, . 

Dickinson County, Kan., bonds, 

Riley County, Kan . bonds, 

Lyon County, la., bonds, .... 

Dayton & Western Railroad bonds, . 

Mahoning Coal Railroad bonds, 

Cincinnati, Van Wert & Michigan R.R. bonds 
40 shares City National Bank, Hartford, 
86 " Hartford National Bank, Hartford 
80 " Security Company, Hartford, . 

100 " American National Bank, Hartford 
7 1 " Far. and Mech. Nat'l Bank, Hartf d 
33 " .Etna National Bank, Hartford, 

1 20 " N. Y , New Haven & Hartford R.R. 

110 " Chicago, Burlington & Quincy EH. 

100 " Chicago, Milwaukee & St. Paul R'y 

100 " Atchison, Topeka & Santa Fe R.R. 

110 " Chicago, Rock Island & Pacific R'y 

100 " St. Louis & San Francisco Railway 

100 ' ; Chicago & Northwestern Railway, 



Summary of Assets Dec. 
Cash value of unencumbered real estate, 
Loans on mortgage of real estate (first liens*) 
Interest due or accrued thereon, 
Stocks and bonds, as per schedule, . 
Cash in the office of the company, . 
Cash deposited in bank, .... 
Interest due and accrued, .... 
Premiums in course of collection (gross), 
Gross assets, 

Liabilities. 
Losses claimed and reported, . 
Unearned premiums on outstanding risks, 
Due and accrued for rent, 
Commissions and brokerage, . 
Gross liabilities, except capital, 

Surplus as regards policy-holders, . 

Paid-up capital, 



Par value. 

$5,000 00 

5,000 00 

8,000 00 

11,000 00 

15,000 00 

10,000 00 

10,000 00 

15,000 00 

10,000 00 

12,000 00 

4,000 00 

8,600 00 

8,000 00 

5,000 00 

7,100 00 

3,300 00 

12,000 00 

11,000 00 

10,000 00 

10,000 00 

11,000 00 

10,000 00 

10,000 00 



1664,400 61 

31, 1889. 

$2,414 88 

429,370 00 

9,136 70 

732,424 12 

1,535 63 

50,628 82 

15,507 99 

102,887 45 



$19,669 87 

756,077 47 

('.25 00 

1,994 79 



Market value . 

$5,250 00 

5. -250 00 

8,400 00 

11,550 00 

15,750 00 

10,500 00 

10,000 00 

17,250 00 

11,000 00 

13,200 00 

4,000 00 

13,416 00 

11,200 00 

6,500 00 

7,068 00 

3,597 00 

29,400 00 

11,770 00 

11,400 00 

3,400 00 

10,780 00 

9,500 00 

14,200 00 

$732,424 12 



$1,343,905 59 



Surplus over capital, . 



77S,3C7 13 

5565,538 46 

500,000 00 

$65,538 46 



* Value of lands mortgaged, $1 ,841,288 00 

Value of buildings thereon * 274,;iS0 00 

Amount of insurance held as collateral 103,095 00 



1889.] 



INSURANCE COMPANIES. 



187 



In< ome. 
Premiums and inspections outstanding Dec. 31, 

L888 |116,811 10 

Premiums and inspections on risks written or 

renewed 625,752 21 

Total |742,563 31 

Premiums and inspections new in course of 
collection 102,887 45 

Entire premiums and inspections collected, . |639,675 86 
- reinsurance and return premiums, . . 71,115 18 

Nel cash premiums and inspections received,. 

Interest received on mortgages, ...... 

Interest and dividends received from all other source 
Income from special services, 

Gross cash income, 



-,560 68 
27,800 85 
36,010 70 

2,213 11 

1,645 34 



Expenditures. 

( lash paid for losses 

Cash dividends paid 

Cash paid for commissions and brokerage, 

for salaries of officers and employ 

for State and local taxes, 

for inspection expenses, . 

for incidentals. .... 

Gross cash expenditures, .... 



|41,909 05 

50,000 00 
148,780 77 

24,402 87 

12,545 61 
186,742 17 

98,320 51 

2,700 98 



Risks and Pkemiums. 

Premiums. 

Ri-ks outstanding Dec. 31, 1888, . . 801,102,143 00 81,082,126 13 

Risks written during 1889, . . . 64,959,800 00 625,752 21 



Total, 

Deduct risks expired and terminated, 

In force at end of year, . 



£156,061,943 00 §1,707,878 34 
34,861,253 00 380,485 96 



§121,200, 690 00 $1,327,392 38 



Miscellaneous. 
Losses incurred during the year, 



$55,654 00 



Massachusetts Business. 
Risks written during the year, .... 

Receiyed for premiums and inspections, 

Losses paid, ........ 

Losses incurred, 



17,823,149 00 

75,465 91 

1,031 35 

979 72 



INS 



ACCIDENT AXD GUARANTEE [Dec. 31, 



"LLOYDS PLATE-GLASS INSURANCE COMPANY OF NEW YORK," 

NEW YORK, X. Y. 

[Incorporated August, 1882 Commenced business Sept. 4, 1882 ] 
Paid-up Capital, $100,000. 

J. (i. Beemer, President. W. T. Woods, Secretary. 

Detailed Statement ok Bonds. 

Par value. Market value. 

United States bonds, $100,000 00 $127,500 00 

Brooklyn & Coney Island Railroad bonds, . 10,000 00 10,400 00 

L2dSt.,ManhatMlle&St.Nich.Av.RR.bonds, 5,000 00 5,800 00 

Atlantic Avenue Railroad bonds, . . . 7,000 00 7,455 00 

Chicago & Eastern Illinois Railroad bonds, . 5,000 00 6,050 00 

Toledo & Ohio Central Railroad bonds, . . 10,000 00 10,250 00 

Second Avenue Railroad bonds, . . . 10,000 00 10,650 00 

Brooklyn Cross-town bonds, .... 10,000 00 10,800 00 

Dominion of Canada bonds, .... 10,000 00 11,000 00 

Northern Pacific Railroad bonds, . . . 10,000 00 10,600 00 



Summary of Assets Dec 
Cash value of unencumbered real estate, 
Bonds, as per schedule, 
Cash in the office of the company, 
Cash deposited in bank, . 
Interest due and accrued, . 
Premiums in course of collection (gross), 
Plate glass on hand, . 

Sundry accounts, . . . .§1,633 50 
Prem's more than three months due, 4,999 95 

Gross assets, 
Deduct special deposits in Canada, 

Balance, $385,008 60 



$177,000 00 


$210,505 00 


3. 31, 1889. 




. $100,000 00 




210,505 00 




2,780 05 




12,193 67 




1,362 48 




56,364 81 




12,802 59 
3 




5 


$396,008 60 
11,000 00 


. 



Liabilities. 

Losses claimed and reported, .... $2,806 85 

Unearned premiums on outstanding risks, . 162,971 33 

Due and accrued for incidentals, . . . 29,174 69 

Commissions and brokerage, . . . . . 15,341 19 

Gross liabilities, except capital, . . $210,294 06 
Deduct liability on special deposits, . . 8,841 94 

Surplus aa regards policy-holders, 

Paid-up capital,. ......... 

Surplus over capital, 



201,452 12 

$188,556 48 

100,000 00 

$83,556 48 



1889.] 



INSURANCE COMPANIES. 



189 



Income. 
Premiums outstanding Dec. 81, 1888, 
Same not collected, .... 

Net collected, ..... 
Premiums on risks written or renewed, 

Total 

Premiums now in course of collection, 

Entire premiums collected, 

Less reinsurance and return premiums, 

Net cash premiums received, . 

Interest and dividends received from all sources, 
Income from rents, .... 

Gross cash income, . 



$56,747 59 
1,830 20 

$55,417 39 
336,955 20 

^392,372 59 
61,364 76 

^331,007 83 

21,868 23 



$309,139 60 
7,800 85 
1,980 38 

$318,920 83 



Expenditures. 

( lash paid for loss< 

Deduct salvage and reinsurance, 

Net cash paid for losses, . 

(ash dividends paid 

Cash paid for commissions and brokerage, 

for salaries of officers and employees, 
for State and local taxes, 
for repairs on real estate, etc., 

Gross cash expenditures, .... 



$173,711 64 
43,084 35 



$130,027 29 

12,000 00 

74,367 15 

59,555 36 

6,713 67 

3,993 82 

$286,657 29 



Risks and Premiums. 

Premiums. 

Risks outstanding Dec. 31, 1888, . . . $9,209,601 00 $285,379 68 
Risks written during 1889, .... 11,071,63900 336,95520 



Total, $20,281,240 00 $622,334 88 

Deduct risks expired and terminated, . . 9,566,71100 296,779 19 



In force at end of year, 



. $10,714,529 00 $325,555 69 



Miscellaneous. 

Premiums received from organization of company, 
Losses paid from organization of company, . 

Losses incurred during the year, 

Cash dividends declared from organization of company, 
Dividends declared during the year (12 per cent.), 
Company's stock owned by directors, .... 



$1,558,676 00 

577,545 00 

130,070 00 

57,000 00 

12,000 00 

64,700 00 



190 



ACCIDENT AND GUARANTEE [IXv.;U, 



Massachusetts Business 
Risks written during the year, . . . . . 
Premiums recefr ed, ....... 

Losses paid 

Losses incurred, 



|761,539 54 

20,324 11 

9,257 08 

9,257 08 






MASSACHUSETTS TITLE INSURANCE COMPANY, BOSTOX 

[Incorporated Jan. 19, 1885. Commenced business March 6, 1885.] 
Paid up Capital, $300,000. 



Arnold A. Rand, 

Vice-President and Manager. 



Henry H. Sprague, 

Clerk and Treasurer. 



Office, 23 Milk Street. 

Summary of Assets Dec. 31, 1889. 

Cash value of unencumbered real estate, . $5,000 00 

Loans on mortgage of real estate (first liens), 96,316 63 

Interest due or accrued thereon, . . . 1,397 64 

Fitchburg Railroad bonds, .... 20,000 00 

Plant of company, 174,783 55 

Cash deposited in bank, 8,000 55 

Interest due and accrued, 300 00 

Bills receivable, . . . . . . 18,350 75 

Furniture and fixtures, . . . $8,372 13 

Gross assets, 



$324,149 12 



Liabilities. 
Due for borrowed money, 

Gross liabilities, except capital, 

Income 

Cash premiums received, . 

for conveyancing, 

for information furnished, 
Interest and dividends received from all sources, 
Income from commissions, 
Income from guaranty fund, . 

Gross cash income, 



$15,000 00 



$ 15,000 00 



£41,116 55 
11,055 32 

2,466 05 

1,800 90 

288 97 

1,971 00 



$58,698 79 



Expenditures. 

( lash paid for interest, 

for commissions and brokerage, 

for salaries of officers and employees, 



$904 75 

958 50 

33,131 52 



1889.] 



INSURANCE COMPANIES, 



191 



Cash paid for State and local taxes,. 
for expenses <>n real estate, 

tor incidentals, . 
Gross cash expenditures, . 



$1,971 01 

1,357 69 

14,562 56 

$52,886 03 



Miscellaneous. 
Premiums received from organization of company, 
Losses incurred during the year, .... 
Company's stock owned by directors, 



130,967 82 

3,711 38 

60,000 00 



THE METROPOLITAN PLATE-GLASS INSURANCE COMPANY 
OF NEW YORK," NEW YOKE, N. Y. 

[Incorporated April 22, 1874. Commenced business April 23, 1874.] 
Paid-up Capital, $100,000. 



1 1 1: n k v 1 1 a R t E . v u , President. 



Eugene II. Winslow, Secretary 



Detailed Statement oe Stocks and Bonds. 



United States bonds, .... 
Fifth Avenue Bank stock,. 
Hamilton Bank stock, 
Kings County Trust Company stock, 
Brooklyn Gas Light Company stock, 



Par value. 

$200,000 00 
2,000 00 
2,500 00 
2,000 00 
2,500 00 



Market value. 

$254,000 00 
2,600 00 
3,250 00 
3,200 00 
2,750 00 



$209,000 00 $265,800 00 



Summary of Assets Dec. 31, 1889. 



Stocks and bonds, as per schedule, 
Cash in the office of the company, 
Cash deposited in bank, . 
Premiums in course of collection, 
Gross assets, 



Liabilities. 
Losses claimed and reported, . 
Unearned premiums on outstanding risks, 
Due and accrued for salaries, etc , 
Commissions and brokerage, . 

Gross liabilities, except capital, 

Surplus as regards policy-holders, 
Paid-up capital, . . 



Surplus over capital, . 



$265,800 00 

3,500 47 

22,312 71 

21,445 22 



$2,500 00 

95,312 04 

4,996 69 

5,725 56 



$313,058 40 



108,534 29 



$204,524 11 
100,000 00 



$104,524 11 



192 



ACCIDENT AND GUARANTEE [Dec. 31, 



Income. 
Premiums outstanding' Dec 31, 1888, 
Premiums on risks written or renewed, 

Total 

Premiums now in course of collection, 

Entire premiums collected, 
Less reinsurance and return premiums, 
Net cash premiums received, . 
Interest received from all sources, . 

Gross cash income, 



81!), U9 07 

20 4,286 95 

|223,436 92 

22,902 24 

$200,534 C8 

1:5,662 87 



$180,871 81 
8,168 04 



$195,039 85 



Expenditures. 

Cash paid for losses, 

Deduct salvage and reinsurance, 

Net cash paid for losses, . . 

Cash dividends paid, ...... 

Cash paid for commissions and brokerage, 

for salaries of officers and employees, 
for State and local taxes, . 

Gross cash expenditures, . 



$80,170 43 
7,272 95 



$72,897 48 

12,000 00 

52,993 04 

31,980 72 

1,463 56 



$171,334 80 



Risks and Premiums. 

Premiums. 

Risks outstanding Dec. 31, 1888, . . . $5,583,138 00 $168,795 94 
Risks written during 1889, .... 6,897,704 00 204,286 95 



Total, 

Deduct risks expired and terminated, 

In force at end of year, . 



.$12,480,842 00 $373,082 89 
. 6,038,567 00 182,458 81 



. $6,442,275 00 $ 190,624 08 



Miscellaneous. 
Premiums received from organization of company, 
Losses paid from organization of company, 

Losses incurred during the year, 

Cash dividends declared from organization of company, 
Dividends declared during the year (12 per cent), . 
Company's stock owned by directors, . 



,454,507 00 

519,042 00 

72,197 00 

140,000 00 

12,000 00 

56,500 00 



Massachusetts Business 

Risks written during the year, . 

Premiums received, 

Losses paid, 

es incurred, 



$855,887 61 

21,868 37 

8,009 41 

8,009 41 



1889.] 



[NSUEANCE COMPANIES. 



103 



MUTUAL BOILEB [NSUBANCE COMPANY, BOSTON. 

[Incorporated Apri', 1S77. Commenced business June, 1877.] 

Geo. W. Wheelwright, President David W. Lane, Secretary. 

Office, 31 Milk- Street. 



Detailed Statement of Bonos. 



Fitchbnrg Railroad bonds, 
Maine Central Railroad bonds, 



Summary of Asset- Dec 

Bond*, as per schedule, .... 
( lash in the office of the company, . 
( lash deposited in bank, .... 
Premiums in course of collection (gross), 
Interest due and accrued, .... 

Mileage tickets. 

Gross assets, 



Tar value. 

00 
- 00 



81, 1889. 



$5,160 00 
16 17 
3,638 57 
33 65 
53 33 
21 74 



Market value. 

$3,000 00 
2,160 00 



00 00 $5,160 00 



23 46 



Liabilities. 
Unearned premiums on outstanding risk-. 
Taxes due or accrued, .... 
Gross liabilities, 

Surplus 

Income. 

Cash premiums received during the year, 
Received for interest from all sources, . 
Received from special inspections, . 

Gross cash income, .... 



-53.071 60 




10 38 






-1 98 




. 






35,464 00 




281 38 


. 


49 25 







§5,794 63 



Expenditures. 
Cash paid for brokerage and commissions, 

for salaries and fees of officers and employees, 
for State and local taxes, 

for rents, 

for profits or surplus on terminated policies, 

for inspections, 

for incidental expenses, .... 



8122 


42 


1,096 


00 


56 


32 


183 


33 


1,915 


57 


2.130 


34 



277 95 



Gross cash expenditures, . 



85,781 93 



194 



ACCIDENT AND GUARANTEE [Dec. 31, 



Miscellaneous. 

Amount. 

Risks outstanding Dec. 31, 1888, $805,600 00 
Risks written during 1889, . 702,500 00 



Total $1,508,100 00 

Risks terminated during 1889, . 735,6C0 00 



Cash premiums. 

$6,517 71 
5,433 20 

$11,950 91 
5,807 71 



In force at end of } T ear, . . $772,500 00 $6,143 20 

Percentage of profits or surplus returned during 1889, 33£ per 

Massachusetts Business. 

Risks written during the year, 

Premiums received, 

Contingent premiums received, 



Contingent 

premiums. 

$32,588 55 
27,166 00 

$59,754 55 
29,038 55 

$30,716 00 
cent. 



$541,700 00 

4,032 06 

20,160 30 



"THE STANDARD LIFE AND ACCIDENT INSURANCE COM- 
PANY," DETROIT, MICH. 

[Incorporated May 29, 1884. Commenced business Aug. 1, 1884.] 
Paid-up Capital, $200,000. 



D. M. Ferry, President. 



Stewart Marks, Secretary. 



Income. 



Total premium income, 
Cash received for interest, 

Total income, . . . 
Net or ledger assets, Dec. 31, 1888, 

Total, .... 



Disbursements 

Cash paid for losses, .... 

for commissions to agents, 
for salaries of officers and office em 
for taxes and fees, . 
for incidentals, 

Total disbursements, . 



Balance, 




Invested in the following : — 

Assets as per Ledger Accounts 
Loans on mortgage of real estate (first liens), 
Detroit city bonds, 



$506,681 57 
15,854 17 

$522,535 74 
359,100 85 

$881,636 59 



$256,064 87 

140,459 12 

45,873 45 

14,752 92 

36,737 02 

i 

$493,887 38 
$387,749 21 



$277,000 00 
35,000 00 



L889.] INSURANCE COMPANIES. 195 

Cash in company's office, . $12,882 88 

deposited in bank, 62,551 67 

advanced to agents 31-4 66 



Ledger assets (as per balance), $387,749 21 

Other Assets. 

[nteresl due and accrued, 9,640 28 

Uncollected premiums on policies in force, .... 131,548 67 



Total assets per company's books, $528,938 16 

Items not admitted. 
Cash advanced to agents 314 06 



Total admitted assets . $528,623 50 



Li u'.ii.ities. 
Pivmium reserve on account of accider 



Dec. 31, 1889, 

Claims resisted by the company, 
Due for commissions, 

Liabilities as to policy-holders, . 
Surplus as regards policy-holders, . 

Paid-up capital, 

Surplus over capital, 



Gross liabilities, 



t risks outstanding 



$216,960 88 



$256,986 74 
18,500 00 
36,175 88 

$311,662 62 

200,000 00 
16,960 88 

$528,623 50 



Miscellaneous. 

Number. Amount. Premiums thereon. 

In force on the 31st day of Dec, 1888, 24,399 $48,172,625 00 $449,624 28 
Written or renewed during 1889, . 32,391 68,423,950 00 625,610 22 



Total, 56,790 $116,596,575 00 $1,075,234 50 

Deduct those expired and terminated, 29,357 57,866,775 00 561,261 02 

In force at the end of the year, . . 27,433 $58,729,800 00 $513,973 48 



Massachusetts Business. 



Accident risks written during the year, . 
Premiums received, ....'. 
Losses paid, . . . . 
Losses incurred, 



Number. 


Amount. 


281 


$815,500 00 


- 


4,988 59 


27 


1,062 34 


27 


1,062 34 



196 



ACCIDENT AND GUARANTEE [Dec. 31, 



"THE TRAVELERS' ENSURANCE COMPANY" (ACCIDENT 
DEPARTMENT), HARTFORD, CONN. 

[Incorporated June 17, 1863. Commenced business April 1, 1864.] 
Paid-up Capital, $600,000. 



James G. Batterson, President. 

Income 

Total premium income, 

Cash received for interest, 

Cash received for rents of company' 

Total income, 
Net or ledger assets, Dec. 31, 1888, 



Rodney Dennis, Secretary. 



Total, . 




Disbursements. 

Cash paid for losses and additions, .... 

for dividends to stockholders, . 

for commissions to agents, 

for salaries and travelling expenses of agents, 

for medical examiner's fees, . 

for salaries of officers and office employees, 

for taxes and fees, 

for rent, 

for furniture and office fixtures, 

for advertising, ..... 

for incidentals, 

Profit and loss account, 



Total disbursements, 



Balance, 



2,096,132 21 

93,434 14 

5,593 03 

,195,159 38 

2,909,912 28 

5,105,071 66 



$1,026,552 52 

96,000 00 

560,217 02 

114,601 98 

7,824 20 

98,887 01 

32,673 81 

29,266 70 

1,474 00 

68,488 91 

77,779 06 

742,270 84 

$2,856,036 05 

$2,249,035 61 



Invested in the following : — 

Assets as per Ledger Accounts 

Cost value of real estate, .... 

Loans on collateral security (schedule A), 

Cost value of stocks and bonds owned (schedule B), 

Cash in company's office, . 

( lash deposited in bank, . 

Agents' ledger balances, . 

Suspense account, .... 

Ledger assets (as per balance), 
Deduct depredation from cos! of assets, 

Total net or ledger assets,. 



$13,245 19 

100,000 00 

1,733,105 69 

937 32 

64,308 78 

4,050 30 

333,388 33 

$2,249,035 61 
65,287 57 

$2,183,748 04 



1889.] 



INSURANCE COMPANIES. 



197 



Otheb Assets. 
Market value of real estate, over cost, 

Total assets per company's books, . 

Items not admitted. 

Agents 1 balances, 

Suspense account, 

Total, 

Total admitted assets, .... 



$772 38 



1,184,520 42 



$4,050 30 
333,388 33 



337,438 63 



. $1,847,081 79 



Liabilities. 
Premium reserve on account of accident risks outstanding 

Dee. 81, 1889, $741,061 24 



Losses in process of adjustment, 
Claims resisted by the company, 

Total policy claims, .... 
Due for salaries, rent and office expenses, 

Liabilities as to policy-holders, 
Surplus as regards policy-holders, 
Paid-up capital, 
Surplus over capital, 



$97,400 00 
55,000 00 



Gross liabilities, 



$943,620 55 



152,400 00 
10,000 00 

$903,461 24 

600,000 00 
343,620 55 

$1,847,081 79 






Exhibit of Policies. 



Accident policies in force Dec. 31, 1888, 
Accident policies written during 1889, 



Number. Amount. 

77,437 $241,603,668 00 
104,348 292,716,502 00 



Total, 181,785 $534,320,170 00 

Policies ceased to be in force during the Year. 

Number. Amount. 

Terminated by death, 240 $614,950 00 

Terminated by expiry, 108,450 289,958,612 00 

108,690 



290,573,562 00 



In force Dec. 31, 1889, 



73,095 $243,746,608 00 



Massachusetts Business. 

Number. 

Accident risks written during the year, . . 6,951 

Premiums received, - 

Losses paid, 782 

Losses incurred, 780 



Amount. 

$20,675,525 00 

123,296 08 

45,393 37 

41,393 37 



Schedule A. 
Securities held as collateral for cash loans : — 

Market value. Amount loaned. 

Meriden,Waterbury & Conn. River R.R. bonds, $100,000 00 ) ^i no 000 00 
1334 shares Meriden Brittannia Company, . 113,390 00 ) 



$213,390 00 $100,000 00 



198 ACCIDENT AND GUARANTEE CO'S. [Dec. 31, '89. 



Schedule B. 

Stocks and Bonds oicncd by the Company. 

Cost. Market value. 

United States bonds, $56,406 25 $52,500 00 

Tennessee state bonds 26,677 50 21,440 00 

Johnson County, 111., bonds, . . •. . 22,385 61 23,000 00 

Wayne County, 111 , bonds, .... 16,62582 17,00000 

White County, 111., bonds 8,060 44 8,500 00 

Montrose County, Col., bonds, .... 5,200 00 5,200 00 

Mesa County, Col., bonds, . . . . 7,000 00 7,000 00 

Rio Arriba County, N. M., bonds, . . . 8,896 00 9,200 00 

Cass County, Dak., school district bonds, . 24,500 00 24,500 00 

Montrose County, Col., school district bonds, . 8,000 00 8,000 00 

Bloomfield, Conn., town bonds, . . . 30,000 00 30,000 00 

Pitkin, Col., town bonds, 3,500 00 3,500 00 

Howard township, Kan., bonds, . . . 20,441 43 24,000 00 

Paw Paw township, Kan., bonds, . . . 6,813 50 8,000 00 

Parsons, Kan , city bonds, .... 20,000 00 20,000 00 

Lima, O., eity bonds, 15,980 00 16,000 00 

Richmond, Va., bonds, . . . ' . . 30,937 50 30,000 00 

Chicago, Burlington & Quincy Railroad bonds, 3,000 00 5,640 00 

Columbus & Western Railroad bonds, . . 53,000 00 54,500 00 

Pullman Palace Car Company bonds, . . 32,240 00 30,660 00 

1100 shares Chicago, Burl. & Quincy Railroad, 122,927 25 117,700 00 

600 " Illinois Central Railroad, . . 72,464 58 70,500 00 

4240 " Pennsylvania Railroad,. . . 249,305 17 224,720 00 

200 " Union Pacific Railroad, . . . 23,462 50 13,675 00 

2000 " Chicago, Mil. & St. Paul Railroad, 215,884 75 197,250 00 

200 " Chicago & Northwestern Railroad, 23,268 75 28,200 00 

210 " Chicago & Alton Railroad, . . 22,318 75 28,140 00 

100 " Illinois Central Railroad, . . 8,644 00 9,800 00 

256 " F. and M. Nat 1 ! B% Hart., Conn , 36,198 87 27,392 00 

693 " American Nat'l B% Hart., Conn., 43,599 00 45,045 00 

400 " City Nafl Bank, Hartford, Conn., 44,664 75 40,000 00 

637 " PhcenixNat'lB^Hartford^onn., 94,479 50 79,625 00 

248 " jEtnaNat'l Bank, Hartford, Conn., 30,26162 27,032 00 

200 " Merc'tileNat'lB'kJlartford^onn., 20,182 00 17,000 00 

140 " New Britain Nat'l B'k,N.B ,Conn , 17,540 00 18,900 00 

100 " NatflB'k of Commerce, New York, 13,975 00 19,700 00 

33 " Nat'] Shoe and Leather B'k, N. Y., 4,455 00 5,019 00 

100 " St. Paul Nat'l B'k, St. Paul, Minn., 10,000 00 11,600 00 

276 " First National B'k, Morris, Minn., 32,540 00 27,600 00 

500 " Hartford Trust Co., Hart., Conn., 49,878 15 64,125 00 

203 " Western Union Telegraph Co , . 18,192 00 16,925 12 

1792 " Colorado Valley Land Company, 179,200 00 179,200 00 



$1,733,105 69 $1,667,818 12 






I MASSACHUSETTS ASSESSMENT LIFE 
INSURANCE COMPANIES. 



ABSTRACTS OF STATEMENTS, DEC. 31, 1880. 






SUMMARY OF STATEMENTS RECEIVED. 



KAY STATE BENEFICIARY ASSOCIATION, WESTITELD. 



[Incorporated June 2, 1881. Commenced business June 2, 1881.] 



John R. Reed, President. 



R, \V. Parks, Secreta?y. 






Income or king 1889. 

For membership fees, 

annual dues, 

mortuary ;i>-<'>sments, .... 
medical examiner's fees paid by applicant, 
interest, 



Total income, . 
Balance on hand Dec. 31, 1888, 

Total, 



$12,228 00 
48,225 80 

365,733 69 
1,850 00 
3,111 24 



$431,148 73 
106,715 44 

$537,864 17 



Disbursements during 1889. 

For losses and claims (110 deaths), . . . $337,200 00 

salaries and commissions to agents, . . 31,387 77 

salaries of officers and employees, . . 12,933 28 

medical examiner's fees, .... 4,701 64 

miscellaneous 13,281 11 

Total disbursements, .... 



399,503 80 



Balance, $138,360 37 



Net or Invested Assets. 
Cost value of bonds and stocks owned, . 

Cash in bank, 

Cash in State treasury, 



Total net or invested assets, . 



$106,069 17 

31,556 20 

735 00 

$138,360 37 



202 



ASSESSMENT LIFE 



[Dec. 31 



Contingent Mortuary Assets (or Resources). 

Mortuary assessments, called and not yet due, $63,000 00 
Mortuary assessments, not yet called for losses 

unadjusted, 11,000 00 

Total clue from members, . . . $74,000 00 



Contingent Mortuary Liabilities. 
Losses in process of adjustment (number of claims, 20), 



£74,000 00 



Total Business oe 1889. 



Policies in force at beginning; of year, 
Policies written during 1889, . 

Total, 

Policies ceased during 1889, 

Policies in force Dec 31, 1889, . 

Losses and claims unpaid Dec. 31, 1888, 
Losses and claims incurred during 1889, 

Total, ..... 
Losses and claims paid during 1889, 

Losses and claims unpaid Dec. 31, 1889, . 



Number. Amount. 

11,012 $34,789,000 00 
1,728 5,728,000 00 



12,740 $40,517,000 00 
1,396 4,316,000 00 


11,344 $36,201,000 00 

24 $81,000 00 
106 331,000 00 


130 
110 


$412,000 00 
337,200 00 



20 $74,800 00 



Business in Massachusetts during 1889. 

Number. Amount. 

Policies in force at beginning of year, . . . 5,565 $17,388,000 0& 
Policies written during 1889, ..... 180 528,000 00 



Total, . 
Policies ceased during 1889, 



Policies in force Dec. 31, 1889, . 

Losses and claims unpaid Dec. 81, 1888, . 
Losses and claims incurred during 1889, . 

Total, 

Losses and claims paid during 1889, 

l>o>-c- and claims unpaid Dec 31, 1889, . 



5,745 
365 


$17,916,000 00 
1,118,000 00 


5,380 

14 

62 


$16,798,000 00 

$40,500 00 
192,000 00 


76 
63 


$232,500 00 
188,500 00 


13 


$44,000 00 



L889.] 



INSURANCE COMPANIES. 



203 



IK) MK RELIEF ASSOCIATION, LYNN. 

[Incorporau-il Si-pt. 26, 1884. Commenced business Oct. 25, 1S84.] 

John (i. Buzzell, President. A. Justin Townsend, Secretary. 



I\< OME i>i RING 1889. 

For membership fees, ..... 
annual dues, ...... 

mortuary assessments 

medical examiner's fees paid l>y applicant, 

interest 

borrowed money, 

Total income 

Balance od hand Dec. 31, 1888, 



Total, 



$2,126 00 

l.:U3 44 

24,160 92 

363 00 

48 86 

808 62 

$31,850 84 
4,025 84 

$35,876 68 



Disbursements i>ii:i\<. isso. 



For losses and claims (24 deaths), . 
advance payments returned, 
salaries and commissions to agents, 
salaries of officers and employees, 
medical examiner's fees, 
rent. .... 
printing, 

borrowed money repaid, 
Total disbursements, 



128,500 00 




181 00 




1,945 00 




3,432 52 




493 75 




200 00 




768 01 




573 75 






31,094 03 





Balance, 



t,782 65 



Net or Invested Assets. 

Cost value of bonds and stocks owned, . 

Cash deposits on emergency or reserve fund account, 

Other property claimed, 

Total net or invested assets, .... 



$1,655 


22 


769 


13 


2,358 


30 



$4,782 65 



Non-invested Assets. 



Interest due, 

Gross assets, 



48 86 



:,831 51 



204 



ASSESSMENT LIFE 



[Dec. 31, 



Liabilities. 
Losses adjusted, due and unpaid (2), 

Balance, net asset-. 



$4,000 00 



§1,831 51 



Contingent Mortuary Assets (or Resources). 

Mortuary assessments, called and not yet due, $1,660 31 

Mortuary assessments, due and unpaid, . . 103 93 
Mortuary assessments, not yet called for losses 
unadjusted, $2,716.41 ; resisted, $3,000 ; and 

reported, §1,000, 6,716 41 

Total due from members, . . . 



§8,480 65 



Contingent Mortuary Liabilities. 

Losses adjusted, not yet due (number of 

claims, 2), §2,000 00 

Losses in process of adjustment (number of 

claims, 2), 2,000 00 

Losses reported, not in process (number of 

claims, 1), 1,000 00 

Losses resisted (number of claims, 2), . . 3,000 00 

Total contingent mortuary liabilities, . 



§8,000 00 



Total Business of 1889. 



Policies in force at beginning of year, 
Policies written during 1889, . 

Total, . % 

Policies ceased during 1889, 

Policies in force Dec. 31, 1889, 



Losses and claims unpaid Dec. 31, 1888, . 
Losses and claims incurred during 1889, . 

Total, 

Losses and claims paid during 1889, 



Number. Amount. 

1,609 $1,679,000 00 
655 679,500 00 



2,264 $2,358,500 00 
305 312,000 00 



1,959 $2,046,500 00 



6 $6,000 00 
25 25,500 00 



31 §31,500 00 
24 23,500 00 



cil claims unpaid \)('v. 31, 1889, . 



$8,000 00 



I8£ 



CSSUKAS I IMPANIES. 






MASS US BENEFIT ASSO [ATION, BOSTON. 

[iDcorporat- Commenced btuioett Oct. 13, 1ST9.] 

WlLLABS Mai HdenL S iry. 

ibion Building. 

^89. 

membership f» 

annual do 

mortuary assess $790,6€" " f8.468.37, 

medical examine. applicant, 

in* 

miscellaneous, 



;1 income, . 
Balance on hand Dec. 31, 1888,. 



Total, 



| 785 68 

"o 13 

3 94 

.4 00 

11.129 54 



■ > 



. " 



• 



For H - md claims ■_ ' " ths),. . 
9 and commissi 9 to agents 

salaries of officers and employes. . _ 

medical examine .... 

r> . "44: printing 

79, 1<~ ~ -~ 

gal expen-es. §11,7 ■ ~ " : agency ex- 
penses. $1 73.47, . . . . 

miscellane- as 7,328 72 

T tal disbursements 

Balano 



- 
1138,466 44 



XET OB INVESTED A 

as on mortgages 



ue of bonds and stocks owned. . 

Agents" ledger balance- ..... 

Cash in offic- 

deposits on emergency or reserve fund account, 
in bank 



11- 

01 

13.421 19 
: ,328 . 

2 ' 22 

. >->.- ; 44 
.rents' balances unsecured, 

Total net or invested a— .... 

NOH-DTVESTKD ASSETS. 






$436,036 43 



Interest accrued. 

Market value of bonds and stock over cost. 
Total non-inve - 



1 . ^ S o '.''. 



r~r,, :: 



Gros- 



-.;.>;• .-:. 



206 



ASSESSMENT LIFE 



[Dec. 31, 



Contingent Mortiary Assets (or Resources). 
Mortuary assessments, qoI yet called for losses 

unadjusted, $170,650 00 

Mortuary assessments, resisted, $32,000.00, and 

reported, |39,000.00, 71,000 00 

Total due from members, . . . $241,650 00 



Contingent Mortuary Liabilities. 
Losses adjusted, not j r et due (number of 

claims, 15), $60,000 00 

Losses in process of adjustment (number of 

claims, 37), 110,650 00 

Losses reported, not in process (number of 

claims, 10), 39,000 00 

Losses resisted (number of claims, 7), . . 32,000 00 

Total contingent mortuary liabilities, . 



$241,650 00 



Total Business of 1889 

Policies in force at beginning of year, 
Policies written during 1889, .... 

Total, 

Policies ceased during 1889, .... 

Policies in force Dec. 31, 1889, .... 

Losses and claims unpaid Dec. 31, 1888, . 
Losses and claims incurred during 1889, . 

Total, 

Losses and claims paid during 1889 (including 2 
dropped, no liability), 

Losses and claims unpaid Dec. 31, 1889, . 



Number. 

16,133 

7,927 

24,060 
2,394 



Amount. 



^53,115,000 00 
23,057,750 00 



$76,172,750 00 
6,731,000 00 



21,666 


§69,441,750 00 


57 


$209,258 00 


229 


757,544 00 


286 


$966,802 00 


217 


725,152 00 


69 


$241,650 00 



Business in Massachusetts 



Policies in force at beginning of year, 
Policies written during 1889, . 

Total, 

Policies ceased during 1889, 

Policies in force Dec. 31, 1889, . 

Losses and claims unpaid Dec. 31, 1888, 
Losses and claims incurred during 1889, 

Total, 

Losses and claims paid during 1889, 

Losses and claims unpaid Dec. 31, 1889, 



DURING 1889. 

Number. Amount. 

10,597 $34,713,000 00 
719 2,194,250 00 



11,316 $36,907,250 00 
1,140 3,096,000 00 



10,176 |33,811,250 00 

28 $95,048 00 
136 440,500 00 



164 $535,548 00 
137 459,224 00 

27 $76,324 00 



188 



[NSUEANCE COMPANIES. 






MASSACHUSETTS MASONIC MUTUAL RELIEF ASSOCIATION, 

SPRINGFIELD. 

[Incorporated April 4, 1887. Commenced business Feb. 11, 18f 

Charles C. Spellmak, Pr Bl Well- Bridge, - lory. 

[A portion of the membership known as Class "A" not included.] 

[ncoms DURING 1880. 
For membership fi 
animal du 

mortuary assessments, 
medical examiner's fees paid by applicant, 

interest 

advance assessments, . 

il income, , 
Balance on hand Dee. 81, 1---. 

I ital, .... 

Disbursements during i v ^ 

For s& 9 and claims (88 deaths), . . . $80,65' - 

salaries and commissions to agents, . \.'~ 

salaries of officers and employees, . . '0 00 

medical examiner's fees, . . . . 118 00 

miscellaneous 1,197 

Total disbursements, .... 

Balance, net a— 

Xet ok Invested Assets. 
Cash deposit in bank, 

Cash deposit in State treasury, 

Total net or invested as 

Contingent Mortuary Liabilities. 
Losses adjusted, not yet due (number of claims, 9), 







- 




4,: 


00 






90/ 


00 






118 


00 






47 'J 


B2 






580 


40 


:•••> 


22 






21,112 


12 


$117,945 


34 



Total Business of 1889 



Policies in force at beginning of year, 
Policies written during 1889, . 

Total, 

Policies ceased during 1889, 

Policies in force Dec. 31, 1889, . 

Losses and claims unpaid Dec. 31, 1889, 
Losses and claims incurred during 1889, 

Total, 

Losses and claims paid during 1889, 

Losses and claims unpaid Dec. 31, 1889, 



Number. 

2,231 
59 

2,290 
127 

2,163 

7 

41 

48 
39 



B5,542 

|82,4 2 38 

$29,902 38' 
2,500 00 

|32,402 88 

^.500 00 

Amount. 



$10,650 00 

88,500 00 

$99,150 00 
80,650 00 

f 18,500 00 



208 



ASSESSMENT LIFE 



[Dec. 31, 



MASSACHUSETTS MUTUAL AID SOCIETY, F1TCHBURG. 

[Incorporated Feb. IT, 1879. Commenced business March 27, 1879.] 

Henry A. Goodrich, President. Festus C. Currier, Secretary. 

Income during 1889. 



For membership fees, 

annual dues, ...... 

mortuary assessments, .... 

medical examiner's fees paid by applicant, 
interest, 



$1,026 00 

2,075 80 

43,331 70 

149 00 

236 43 



Total income, $ 46,818 93 

Balance on hand Dec. 31, 1888, 7,743 71 

Total, 



Disbursements during 1889. 



For losses and claims (17 deaths), . . . $33,585 00 

advance payments returned, ... 8 00 

salaries and commissions to agents, . . 960 00 

salaries of officers and employees, . . 3,537 22 

medical examiner's fees, .... 149 00 

miscellaneous, 306 10 

Total disbursements, .... 

Balance, . 

Net or Invested Assets. 

Deposits on emergencj- or reserve fund account, . 
Cash in bank, 

Total net or invested assets, 



$54,562 64 



38,545 32 
$1G,017 32 



$9,259 82 
6,757 50 

$16,017 32 



Contingent Mortuary Liabilities. 
Losses adjusted, not yet due (number of 

claims, 2), $3,000 00 

Losses in process of adjustment (number of 

claims, 2), 3,000 00 

Total contingent mortuary liabilities, . • 



$6,000 00 



Total Business of 1889. 



Policies in force at beginning of year, 
Policies written during 1889, . 

Total, .... 
Policies ceased during 1889, . 

Policies in force Dec. 31, 18S9, 



Number. Amount. 

2,416 $4,376,000 00 
149 214,000 00 



2,565 $4,590,000 00 
122 214,000 00 



2,443 $4,376,000 00 



1889.] 



IXsrRANCE COMPANIES. 



209 






Losses and claims anpaid Dec. 31, 1888, 
Losses and claims incurred daring 1889, 

Total 

Losses and claims paid during 1889, 

Losses and claims unpaid Dec. 31, 1889, . 

Business in Massachusetts during 



Policies in force at beginning of year, . 
Policies written during 1889, . 

Total 

Policies ceased during 1889, . 

Policies in force Dec. 31, 1889, 

Losses and claims unpaid Dec. 31, 1888, . 
Losses and claims incurred during 1889, 

Total, 

Losses and claims paid during 1889, 

Losses and claims unpaid Dec. 31, 1889, . 



Number. 

4 

17 



Amount. 

$7,000 00 
34,000 00 



21 
17 


$41,000 00 
33,585 00 


4 
1889. 

Number 

2,178 
.143 


$7,415 00 

Amount. 

$3,894,000 00 
203,000 00 


2,321 
114 


$4,097,000 00 
199,000 00 


2 S ,207 

4 
15 


$3,898,000 00 

$7,000 00 
30,000 00 


19 
16 


|37,000 00 

31,585 00 



$5,415 00 



NEW ENGLAND RELIEF ASSOCIATION, BOSTON. 

[Incorporated July 6, 1881. Commenced business July 16, 1881.] 

Stillman B. Allen, President. Joseph A. Torrey, Secretary. 

Office, 31 Milk Street. 

Income during 1889. 

For membership fees, $3,025 00 

annual dues, 11,281 68 

mortuary assessments, 132,220 15 

medical examiner's fees paid by applicant, . . . 632 00 

interest, * 574 00 



Total income, . 
Balance on hand Dec. 31, 1888, 



Total, 



$147,732 83 
26,672 60 

$174,405 43 



Disbursements during 1889. 



For losses and claims (55 deaths), . 
salaries and commissions to agents, 
salaries of officers and employees, 
medical examiner's fees, . 
miscellaneous, .... 
Total disbursements, 



$131,550 00 

3,591 23 

6,752 24 

750 75 

3,863 25 



146,507 47 



Balance, 



$27,897 96 



210 



ASSESSMENT LIFE 



[Dec. 31, 



Net ob Invested Assets. 

Cost value of bonds and storks deposited with State treasurer, $8,000 00 

Cash in office, 113 90 

Cash in l>ank, 19,784 06 

Total net or invested assets, f 27 ,897 96 



Contingent Mortuary Liabilities. 
Losses in process of adjustment (number of 

claims, 5), $9,600 00 

Losses resisted (number of claims, 4), . . 12,800 00 

Total contingent mortuary liabilities, 



Policies in force at beginning of year, 
Policies written during 1889, . 

Total, 

Policies ceased during 1889, 

Policies in force Dec. 31, 1889, . 

Losses and claims unpaid Dec. 31, 1888, 
Losses and claims incurred during 1889, 

Total, 

Losses and claims paid during 1889, 

Losses and claims unpaid Dec. 31, 1889, . 



les, . 

s of 1889. 


Number. 

3,038 
316 

3,354 
632 

2,722 

14 

50 

64 
55 

9 


822,400 00 

Amount. 

$7,706,000 00 
492,500 00 




$8,198,500 00 
1,564,500 00 




$6,634,000 00 

$37,150 00 
116,800 00 




$153,950 00 
131,550 00 




$22,400 00 



Business in Massachusetts during 1889. 

Number. Amount. 

Policies in force at beginning of year, . . . 2,743 $6,017,000 00 
Policies written during 1889, . 

Total 

Policies ceased during 1889, 



Policies in force Dec. 31, 1889, . 

Losses and claims unpaid Dec. 31, 1888, 
Losses and claims incurred during 1889, 

Total 

Losses and claims paid during 1889, 

Losses and claims unpaid Dec. 31, 1889, . 



188 343,500 00 

2,931 $6,360,500 00 
354 938,800 00 



2,577 $5,421,700 00 

13 $36,350 00 
37 85,800 00 



50 $122,150 00 
42 101,750 00 



$20,400 00 



L889.] 



INSURANCE COMPANIES. 



211 



UNION MUTUAL BFNEFIT ASSOCIATION, BOSTON. 

[Incorporated Dec. 24, 1879. Commenced business Jan. 10, 1880.] 

Nf.iu.miah T. Mkrritt, President. Chas. R. Folsom, Secretary. 

Office, So Devonshire Street. 



Income during 1889. 

For membership fees 

annual dues 

mortuary assessments 

medical examiner's fees paid by applicant, 
interest 



Total income, . 
Balance on hand Dec. 81, 1> V ^. 



Total, 



$170 00 

1,994 05 

12,345 11 

26 00 

111 97 

$14,047 13 

5,573 44 

$20,220 57 



Disbursements during 1889. 
For losses and claims (8 deaths), . . . $9,986 94 



salaries and commissions to agents, 
salaries of officers, 
medical examiner's fees, . 
miscellaneous, .... 
Total disbursements, 



Balance, 



187 00 

3,000 00 

26 00 

701 94 



13,901 88 
$6,318 69 



Net or Invested Assets. 
Value of bonds deposited in State treasury, . 
Cash in office, 

deposits on emergency or reserve fund account. . 

in bank, 



Total net or invested assets, . 



$2,583 37 

393 75 

1,130 82 

2,210 75 

$6,318 69 



Non-invested Assets. 

Interest due, 67 29 

Total non-invested assets, .... 



Gross assets, 



7 29 



1,325 98 



Liabilities. 
Losses adjusted, due and unpaid, 
Total actual liabilities, . 

Balance, net assets, 



$1,200 23 



1,200 23 
$5,125 75 



212 



ASSESSMENT LIFE INS. CO'S. [Dec. 31,'89. 



Total Business of 1889, all in Massachusetts. 

Number. Amount. 

Policies in force at beginning of year, 
Policies written during 1889, . 



Total 

Policies ceased during 1889, 

Policies in force Dec. 31, 1889, . 

Losses and claims unpaid Dec. 31, 1888, 
Losses and claims incurred during 1889, 

Total, 

Losses and claims paid during 1889, 

Losses and claims unpaid Dec. 31, 1889, 







26 


31,500 


00 


706 


£1,420,000 00 






163 


367,500 00 


543 


$1,058,500 


00 






1 


82,000 


00 






8 


18,460 


00 


9 


$20,450 00 






8 


19,250 


00 



$1,200 00 



ASSESSMENT 

LIFE INSURANCE COMPANIES 

OF OTHER STATES. 



ABSTRACTS OF ANNUAL STATEMENTS, DEC. 31, 1889. 



SUMMAEY OF STATEMENTS RECEIVED. 



-THE BANKERS 1 LIFE ASSOCIATION OF MINNESOTA," 

ST. PAUL, MINN. 

[Incorporated Ai;- Commenced luisinesa Aug. 6, 1SS0*.] 

Russell R Dorr, /'/■■ Douglass Putnam, Seen 

Iv OME D1 KIN'. 1 S 



For mem I ership i> 
annua] dm 
mortuary assessments, 

interest 

guarantee trust fund i 

T< • il inooD 
nee od hand !><■(•. 81, 1888, 

Total, . 



Disbursements duren 
For losses nd claim- (56 certificates), . 
deposits returned to beneficiaries, 
salaries and commissions t«> agentt 

- and employees, . 
medical examine] . 

miscellaneous 

X t:d disbursements, 

Balanc 



Net or Invested Assets. 
I 3t value of bonds and stocks owned, . 
Cash in office, 

deposits on emergency or reserve fund account. 

in bank 

Total net or invested assets, .... 
Xox-ixvested Assets. 



o 00 

1,089 00 

1^.171 93 
16, 

2.:<16 50 

6,421 99 



Interest due and accrued, .... 

Guarantee trust fund notes, 
Entrance payments in process, . 
Market value of bonds and stock over cost, 
Total non-invested assets, 

Xet assets, 



|76 86 

36,841 00 

564 74 

2,868 03 



117351 12 

81,583 
119,075 55 
15 60 

18,138 



$187,384 08 
168,15< 






153,991 21 

1.549 55 



8167,231 97 
179 30 

5,507 17 
-.631 11 



$201,549 55 



40,350 63 
8241,900 18 



216 



ASSESSMENT LIFE 



[Dec. 31, 



Contingent Mortuary Assets (or Resources). 

Mortuary assessments, called and not yet due, $19,680 74 
Mortuary assessments, not yet called for losses 

unadjusted, 8,000 00 

Mortuary assessments, reported, . . . 2,000 00 



Total due from members, 
Deduct estimated cost of collection, . 

Net amount due from members, 



$29,680 74 
300 00 



$29,380 74 



Contingent Mortuary Liabilities. 
Losses reported, not in process (number of claims, 1), . 



£2,000 00 



Total Business of 1889 

Policies in force at beginning of year, 
Policies written during 1889, .... 

Total, 

Policies ceased during 1889, .... 

Policies in force Dec. 31, 1889, .... 

Losses and claims unpaid Dec. 31, 1888, . 
Losses and claims incurred during]1889, . 

Total, 

Losses and claims paid during 1889, 

Losses and claims unpaid Dec. 31, 1889, . 



Number. Amount. 

4,797 $9,594,000 00 
966 1,932,000 00 



5,763 $11,526,000 00 
406 . 812,000 00 



5,357 $10,714,000 00 



10 
47 



57 
56 



$20,000 00 
94,000 00 



$114,000 00 
112,000 00 

$2,000 00 



Business in Massachusetts during 1889. 

Policies in force at beginning of year, 
Policies written during 1889, .... 

Total, 

Policies ceased during 1889, .... 

Policies in force Dec. 31, 1889, .... 

-<■> and claims incurred during 1889,. 
Losses and claims paid during 1889, 



Number. 

87 
18 


Amount. 

$174,000 00 
36,000 00 


105 

18 


$210,000 00 
36,000 00 


87 

1 
1 


$174,000 00 

$2,000 00 
2,000 00 



59.] 



[NSURANCE COMPANIES. 



217 



OVENANT MUTUAL BENEFIT ASSOCIATION OF ILLINOIS, 11 

GALESBURG, ILL. 

[Incorporated Jan. 9, 1577. Commenced business Jan. 9, 1877.] 

A. W. Berggren, President. E. F. Phelps, Secretary. 

Ixc«»mf DURING 1889. 
For membership fees 



annual du - 

mortuary - - 38; expense, $71,013.21 

medical examiner's fees paid by applicant, 
advan -- s8mentB a d, 

increase in agents' ledger balance-. . 
miscellaneous 

tl incoi .... 

Balance on hand Dec. 81, 1888, 






5,107 58 

761 61 

839,291 09 

4.706 00 

41.531 05 
1,4; 

23366 44 

.7 1 .";• 
1315 16 

§1,351.5 



Disbursements during 1889. 



For losses ind claim- S 9 iths),. . . 

advan< ss ssmenfs applied, . . . 4 1 

advance payments returned to rejected 

applies! 

- iries and commissions to agents . 44 

salaries of officers and employees, . . 4 1 .". 

medical examiner- fees, . 

miscellaneous 33.2:<7 27 

Total disbursements 

Balane 

Net or Invested Assets. 
Cost value of bonds owned, 

!its" balane- - 

Cash in bank 

Total, 

Less agents* balances unsecured. 

Total net or invested asset-. , 

Non-invested Assets. 

Postage stamps $o^~J 44 

Furniture and fixtures, 3.022 26 

Blank books and stationery, .... 750 00 

Mailing machine, etc 5.400 40 

Agents" ledger balances 4.417 23 

Total non-invested assets, 



910,406 62 
1441,110 13 

1378,044 62 

4.417 23 

58,648 28 

|441,110 13 

4.417 23 

|436,692 90 



Gross assets, 



14,180 33 
S450.S73 23 



218 



ASSESSMENT LIFE 



[Dec. 31, 



Liabilities. 
Total actual liabilities (advance assessments), 

Balance, net assets, . 



$16,214 42 
|434,658 81 



Contingent Mortuary Assets (ok Resources). 

Mortuary assessments, called and not yet due, $ 98,750 00 
Mortuary assessments, not yet called for losses 

adjusted and unadjusted, .... 138,125 00 
Moil nary assessments, resisted, $17,500.00, and 

reported, $21,250.00, 38,750 00 

Total due from members, . . . $275,625 00 



Contingent Mortuary Liabilities. 
Losses adjusted, not yet due- (number of 

claims, 77), $204,375 00 

Losses in process of adjustment (number of 

claims, 9), 32,500 00 

Losses reported, not in process (number of 

claims, 7), ♦ . 21,250 00 

Losses resisted (number of claims, 6), . . 17,500 00 

Total contingent mortuary liabilities, . 



$75,625 00 



Total Business of 1889 



Policies in force at beginning of year, 
Policies written during 1889, . 

Total, 

Policies ceased during 1889, 

Policies in force Dec. 31, 1889, . 

Losses and claims unpaid Dec. 31, 1888, 
Losses and claims incurred during 1889, 

Total, 

Losses and claims paid during 1889, 

Losses and claims unpaid Dec. 31,1889, 



Number. 

29,007 
7,658 

36,665 
2,964 



Amount. 



>7<), 126,875 00 
17,447,500 00 



5,574,375 00 
7,861,875 00 



33,701 f88,712,500 00 

83 $250,000 00 

278 790,000 00 

361 $1,040,000 00 

262 764,375 00 

99 $275,625 00 



Business in Massachusetts during 1889. 

Number. 

Policies in force at beginning of year, . . . 298 

Policies written during 1889, 93 



Total, 

Policies ceased during 1889, 

Policies in force Dec. 31, 1889, . 

Losses and claims incurred during 1889, 
Losses and claims unpaid Dec. 81, 1889, 



391 
51 



2 
2. 



Amount. 

$788,750 00 
205,000 00 

$993,750 00 
103,125 00 



340 $890,625 00 



$5,000 00 
5,000 00 



L889.] 



[NSURANCE COMPANIES. 



219 



"FIDELITY MUTUAL LIFE ASSOCIATION," PHILADELPHIA, PA. 

[Incorporated !>«•<.■. J, 1878. Commenced business Jan. 1, 1S79.] 

L. (i. FOUSE, Presid W. S. Campbell, Secretary. 



[ncome DURING 1889. 
For membership tees, ....... 

annual du< ......... 

mortuary assessments, |264,003.33 j expense, $6,945.92, 
medical examiner's fees paid by applicant, 
advances to agents repaid, 

interest 

miscellaneous, .... 

Total inn>me, .... 
Balance on hand Dec. 31, 1888, 



Total 

Disbursements during 

For losses and claims (84 deaths), . 
salaries and commissions to agents, 
salaries of officers and employ 
medical examiner 1 
advance payments returned, 
advanced to officers and agents, 
rent, $7,654.32; taxes, 6714.24; printing 

$13,679.04, 
miscellaneous, . 

Total disbursements, 

Balance, .... 



Net or Invested Assets. 
Cost value of real estate, .... 
Loans on mortgage of real estate (first liens) 
Loans on renewal interest (net), 
Cost value of stocks and bonds owned, . 
Cash in company's office, .... 
Cash deposited on emergency or reserve fund account, 

Bills receivable, 

Agents' ledger balances, .... 
Printing machinery, 

Ledger assets (as per balance), 

Other Assets 
Interest due and accrued, .... 
Market value of real estate, over cost, 
Market value of stocks and bonds, over cost, 

Total assets per company's books, . 



1889. 
$169,966 66 
38,157 93 

5S..".2: , . 34 
8,475 50 
7,584 47 

37*893 

22,047 80 
23,013 07 



',190 00 
115,231 58 
260,949 25 

6,645 00 
21,256 34 

8,416 96 

3,341 62 

$445,030 75 

170,146 99 

$621,177 74 



365,662 36 
.515 38 



$41,144 93 

115,350 00 

34,740 08 

6,816 67 

1,154 95 

35,953 35 

6,729 20 

11,858 92 

1,767 28 

6255,515 38 



1,375 83 

28,855 07 
3,646 66 

6289,392 94 



220 



ASSESSMENT LIFE 



[Dec. 31, 



Items not admitted. 



Agents 1 balances, 
Printing machinery, . 
Bills receivable, 

Total, 

Total admitted assets, 



§11,858 92 
1,767 28 
6,729 20 



820,355 40 
$269,037 54 



Liabilities. 

Salaries, rents and office expenses due and 

accrued, 

Advance assessments, 

Total actual liabilities, .... 

Balance, net assets, .... 



$820 59 
11,942 42 



12,763 01 
#56,274 53 



Contingent Mortuary Assets. 
Amount pledged for losses, $642,856 00 

Contingent Mortuary Liabilities. 

Losses reported, not in process (number of 

claims, 37), §74,250 00 

Losses resisted (number of claims, 1), . . 1,500 00 

Total contingent mortuary liabilities, . $75,750 00 



Total Business of 1889. 



Policies in force at beginning of year, . 
Policies written during 1889, . 

Total, 

Policies ceased during 1889, 

Policies in force Dec. 31, 1889, 

Losses and claims unpaid Dec. 31, 1888, . 
Losses and claims incurred during 1889, . 

Total, 

Losses and claims paid during 1889, 

Losses and, claims unpaid Dec. 31, 1889, . 



Number. Amount. 

9,018 $20,116,250 00 
3,080 7,007,500 00 


. 12,098 
1,487 


§27,123,750 00 
3,327,300 00 


. 10,611 $23,796,450 00 

3 §13,166 00 
82 163,300 00 


85 

84 


$176,466 00 
174,966 00 


1 


$1,500 00 



Business in Massachusetts during 1889. 

Policies in force a( beginning of j T ear, 
Policies written during 1889, . 

Total, 

Policies ceased during 1889, 

Policies in force Dee. 31, 1889, 



Number. 

195 
151 


Amount. 

$517,500 00 
311,000 00 


346 
32 


§828,500 00 
56,000 00 


314 


$772,500 00 



188 



INSURANCE COMPANIES. 



221 



-HARTFORD LIFE AND ANNUITY INSURANCE COMPANY 

HARTFORD, CONN. 

[Incorporated V Commenced business 1SS0.] 

11. a. Whitman, . >t. Stephen Ball, - 4 ary. 

broom during U 

For membership f« .215 50 

anal da 182,540 73 

mortuary ase H ante, 67::- -_-- 87, 741,728 31 

in 26,264 35 

paid by members to safety fund, 91,686 59 

miscell is 55 v ^ 



l1 income, . 

Balance ou hand Dec. 31, 1888, 






81.12r-.491 36 
25 18 

$1,892,116 54 



Disbursements duris 



For I sa - and claims (284 deaths),. 
dividends to memi . 

- tries and commissions to agents, . 
sal - officers and employees, . 
medical examine ... 

rent, $4,712 43; tax a — printing, 

$8,279.17, 

•ekholders" dividends, . 

miscellaneous 

'd\ disbursements, . 



3 94 

16,214 71 

42.916 08 

21.042 19 
2 -.'300 00 
38,385 56 
1,044,346 32 



Balance, 

Net or Invested Assets. 
Loans on mortgages, 

Loans secured by pledge of bonds, stocks, etc., 

Cash in office 

deposited on safety fund account, . 

in bank. ....... 

Total 

Less depreciation, 

Total net or invested assets. . 

Non-invested Assets. 
Interest accrued, 

Gross assets. ...... 



1847,77 -- 

$7,800 00 

63,470 25 

1,936 60 

2,354 71 

22,208 66 

|847,770 22 

4,742 25 

$843,027 97 

675 05 
$843,703 02 



Taxes due and accrued, . 
Advance assessments. 
Accumulated safety fund, 

Total actual liabilities, 

Balance, net asse: ; 



Liabilities . 



$4,814 41 

20,644 00 

752.455 11 



777,913 52 

$65,789 50 



222 



ASSESSMENT LIFE 



[Dec. 31, 



Contingent Mortuary Assets (or Resources). 
Mortuary assessments, due and unpaid, . . § 14,775 91 
Mortuary assessments, not yet called for losses 

unadjusted, 156,500 00 

Mortuary assessments, resisted, . . . 45,000 00 

Net amount due from members, . . £210,275 91 

Contingent Mortuary Liabilities. 

Losses in process of adjustment (number of 

claims, 58), $156,500 00 

Losses resisted (number of claims, 8), . . 45,000 00 

Total contingent mortuary liabilities, . $201,500 00 



Total Business of 1889 

Policies in force at beginning of year, 
Policies written during 1889, . 

Total, 

Policies ceased during 1889, 

Policies in force Dec. 31, 1889, . 

Losses and claims unpaid Dec. 31, 1888, 
Losses and claims incurred during 1889, 

Total, 

Losses and claims paid during 1889, 

Losses and claims unpaid Dec. 31, 1889, . 



Number. 

24,357 
8,324 

32,681 
2,906 



Amount. 

61,669,000 00 
16,010,000 00 



.77,679.000 00 
6,895,000 00 



29,775 £70,784,000 00 



64 

287 

351 

284 



£258,700 00 

705,000 00 

$963,700 00 

762,200 00 



67 $201,500 00 



Business in Massachusetts during 



Policies in force at beginning of year, 
Policies written during 1889, . 



Total, 

Policies ceased during 1889, 

Policies in force Dec. 31, 1889, . 

Losses and claims unpaid Dec. 31, 1888, 
Losses and claims incurred during 1889, 



Total, 

Losses and claims paid during 1889, 

Losses and claims unpaid Dec. 31, 18$9, . 



1889. 

Number. Amount. 

701 £1,510,000 00 
224 460,000 00 



925 £1,970,000 00 
69 140,500 00 



856 $1,829,500 00 



£6,000 00 
10,000 00 



8 £16,000 00 
7 15,000 00 



£1,000 00 



L889.] 



[NSURANCE COMPANIES. 



223 



"HOME BENEFIT ASSOCIATION," NEW STORK, NX 

[Incorporated I'tv. 5, 1881. Commenced business Jan. 30, 1882.] 

William a. Camp, President. Eugene A. Baker, Secretary. 



[NCOME during 1889. 
For membership fees, 

annual due-. ........ 

mortuary assessments, $133,565.69 ; expense, $19,678. t3, 

medical examiner's fees paid by applicant, 

interesl 

advances to agents repaid, 

furniture sold, 

Total income, 

Balance on hand Doc. 31, 1888, 

Total 



$84,415 00 

6,825 37 

153,244 12 

51 00 

1,208 22 

53 95 

3 50 

$195301 16 

51,115 85 

$246,917 01 



• Disbursements DURING 1889. 

For losses and claims (34 deaths), . . . $93,890 27 

advance payments returned, . . . 726 61 

credited to live-year members, . . . 1,044 12 

salaries and commissions to agents, . . 40,444 39 

salaries of officers and employees, . . 26,982 14 

medical examiner's fees, .... 676 25 

miscellaneous, 16,159 16 

Total disbursements, .... 



Balance, 



179 922 94 



$66,994 07 



Net or Invested Assets. 

Loans on mortgages, 

Cost value of bonds owned, 

Cash in office, . 

Cash in bank, 



Total net or invested assets, . 



$18,000 00 

1,000 00 

7,016 36 

33,808 40 

$59,824 76 



Non-invested Assets. 

Interest due, §110 55 

Total non-invested assets, . . . 



$110 55 



* Not accounted for, 



$7,169 31 



224 



ASSESSMENT LIFE 



[Dec. 31, 



Contingent Morti-ary Assets (or Resources). 
Mortuary assessments, called and not yet due, $38,381 27 
Mortuary assessments, due and unpaid, . . 1,772 45 

Mortuary assessments, not yet called for losses 

unadjusted, 143,500.00 ; resisted, §55,000.00 ; 

and reported, $6,000.00, .... 



Total due from members, 
Deduct estimated cost of collection, . 

Net amount due from members, 



104,500 00 

1144,658 72 

2,893 07 



§141,760 65 



Contingent Mortuary Liabilities. 
Losses adjusted, not yet due (number of 

claims, 7), §32,000 00 

Losses in process of adjustment (number of 

claims, 10), 43,500 00 

Losses reported, not in process (number of 

claims, 3), 6,000 00 

Losses resisted (number of claims, 12), . . 55,000 00 

Total contingent mortuary liabilities, . 



§136,500 00 



Total Business of 1889 



Policies in force at beginning of year, 
Policies written during 1889, . 



Total, ...... 

Policies ceased during 1889, 

Policies in force Dec. 31, 1889, . 

Losses and claims unpaid Dec. 31, 1888, 
Losses and claims incurred during 1889, 

Total, 

Losses and claims paid during 1889, 

Losses and claims unpaid Dec. 31, 1889, 



Number. Amount. 

3,753 $11,472,500 00 

1,914 3,819,150 00 

5,667 §15,291,650 00 

1,349 3,781,234 00 

4,318 §11,510,416 00 

20 $91,000 00 

46 165,500 00 



66 §256,500 00 
34 120,000 00 

32 $136,500 00 



Business in Massachusetts during 1889. 

Number. 

Policies in force at beginning of year, . . . 147 

Policies written during 1889, 86 



Total, .... 
Policies ceased during 1889, 

Policies in force Dec. 31, 1889, 



Losses and claims incurred during 1889, 
Losses and claims unpaid Dec. 31, 1889, 



233 
18 



215 

1 
1 



Amount. 

$556,000 00 
387,500 00 

$943,500 00 
73,000 00 



570,500 00 

$5,000 00 
5,000 00 



1889.] 



INSURANCE COMPANIES. 



225 



-LIFE AND RESERVE ASSOCIATION," BUFFALO, N.Y. 

[Incorporated March 3, 1883. Commenced business March 3, 1883.] 

J YV. Woodruff, President* A. A. Aldrich, Secretary. 



Income DURING 889. 

For membership tees, 

annual dm 

mortuary assessments, $97,879.19 ; expense, $5,151.5 
medical examiner's fees paid by applicant, 
interest, .... 

miscellaneous, . 

Total income, . 
Balance on hand Dec. 31, 1888, 



I, 



$9,944 00 

6,363 50 

103,030 70 

3,091 43 

3,597 01 

132 25 

§126,158 89 
66,358 24 



Total, $192,517 13 



Disbursements during 1889. 



For losses and claims (47 death-), . 
losses and claims (2 disabilities), 
advance payments returned, 
salaries and commissions to agents, 
salaries of officers and employees, 
medical examiner's fees, . 
miscellaneous, .... 
Total disbursements, 



$46,736 70 
1,000 00 
1,160 00 
4,762 37 
16,354 20 
3,554 50 
5,221 19 



78,788 96 



Balance, $113,728 17 



Xet or Invested Assets. 



Bills receivable, 
Loans on mortgages, 
Office furniture, 
Agents' ledger balances, 
Cash in office, . 
Cash in bank, 

Total, 
Less agents' balances, 
bills receivable, 
office furniture, . 



§7,625 36 
3,033 01 
1,460 78 



§3,033 01 
90,295 00 
1,460 78 
7,625 36 
6,799 86 
4,514 16 

$113,728 17 



12,119 15 



Total net or invested assets, . 



$101,609 02 



226 



ASSESSMENT LIFE 



[Dec. 31 



Liabilities. 
Salaries, rents and office expenses duo and 

accrued, .... 
Advance assessments, 
Dividend obligations, 
Miscellaneous, . 

Total actual liabilities, 

Balance, net assets, 



$3,102 71 




34 80 




17,753 85 




53 72 






|20,946 08 




• . • • . 


$80,663 94 



Contingent Mortuary Assets (or Resources). 
Mortuary assessments, called and not yet due, $ 21,800 00 
Mortuary assessments, not yet called for losses 

unadjusted, 11,000 00 

Mortuary assessments, resisted, . . . 4,000 00 



Total due from members, 
Deduct estimated cost of collection, . 
[Net amount due from members, 



$36,800 00 
3,626 00 



$33,174 00 



Contingent Mortuary Liabilities. 
Losses adjusted, not yet due (number of 

claims, 11) $21,000 00 

Losses in process of adjustment (number of 

claims, 2), 4,000 00 

Losses resisted (number of claims, 2), . . 4,000 00 

Total contingent mortuary liabilities, . 



$29,000 00 



Total Business of 1889 



Policies in force at beginning of year, 
Policies written during 1889, . 

Total, 

Policies ceased during 1889, 

Policies in force Dec. 31, 1889, . 

Losses and claims unpaid Dec. 31, 1888, 
Losses and claims incurred during 1889, 

Total, 

Losses and claims paid during 1889, 

Losses and claims unpaid Dec. 31, 1889, 



Number. Amount. 

6,197 $6,197,000 00 
2,552 2,552,000 00 



8,749 $8,749,000 00 
2,646 2,646,000 00 



6,103 $6,103,000 00 



15 

59 



74 
51 



$15,000 00 
59,000 00 

$74,000 00 
51,000 00 



23 $23,000 00 



Business in Massachusetts during 1889. 

Number. 

175 
9 



Policies in force at beginning of year, 
Policies ceased during 1889, 



Policies in force Dec. 31, 1889, . 



Amount. 

$175,000 00 
9,000 00 



166 $166,000 00 



1889.] 



INSURANCE COMPANIES. 



227 



"MERCANTILE BENEFIT ASSOCIATION OF NEW YORK," 

NEW YORK, N. Y. 

[Incorporated 18S3. Commenced business May, 1877.] 

Joseph W. Congdon, President. Ira W. Steward, Secretary. 



Income during 1889. 

For membership foes, ....... 

mortuary assessments, $131,531.50; expense, $6,530.00, 
medical examiner's fees paid by applicant, 
interest 

From all other sources, 



Total income, . 
Balance on hand Dec. 31, 1888, 



Total, 



DlSIURSF.MENTS DURING 1889. 



For losses and claims (20 deaths), . 
advance payments returned, 

advance payments applied, 
salaries and commissions to agents, 
salaries of officers and employees, 
medical examiner's fees, . 
miscellaneous, .... 
Total disbursements, 



Balance, 



f 134,455 50 

103 75 

620 50 

2,813 68 

6,922 35 

423 00 

3,513 17 



Net or Invested Assets. 

Cost value of bonds owned, 

(ash in office, 

Cash in bank, . 

Total net or invested assets, .... 

Non-invested Assets. 
Interest due, .... 
Due from former secretary, 
Office furniture, 

Market value of bonds over cost, 
Total non-invested assets, 



Gross assets, 



$1,718 00 
6,833 31 
1,171 58 
5,739 88 



Contingent Mortuary Liabilities. 
Losses reported, not in process (number of 

claims, 8), . $32,925 15 

Losses resisted (number of claims, 2), . . 6,548 50 
Total contingent mortuary liabilities, . 



$1,410 00 

138,061 50 

423 00 

6,507 00 

2,000 00 

$148,401 50 
217,964 57 



$366,366 07 



148,851 95 



$217,514 12 



$208,001 12 

4 03 

9,508 97 

$217,514 12 



15,462 77 



$232,976 89 



$39,473 65 



228 



ASSESSMENT LIFE 



[Dec. 31, 



Total Business of 1889 



Policies in force at beginning of year, 
Policies written daring 1889, . 

Total 

Policies ceased during 1889, 

Policies in force Dec 31, 1889, . 

Losses and claims unpaid Dec. 31, 1888, 
Losses and claims incurred during 1889, 

Total, 

Losses and claims paid during 1889, 

Losses and claims unpaid Dec. 31, 1889, . 



Number. Amount. 

2,423 |12,115,000 00 

135 675,000 00 



2,558 $12,790,000 00 
110 550,000 00 



2,448 $12,240,000 00 

5 $25,000 00 
31 141,000 00 


36 

29 


$166,000 00 
134,455 50 


7 


$31,544 50 



" THE MUTUAL BENEFIT LIFE ASSOCIATION OF AMERICA, 11 

NEW YORK, N. Y. 

[Incorporated Dec. 20, 1882. Commenced business Jan. 19, 1883.] 

Edward Henry Kent, President. Theodore C. Landmesser, Secretary. 



Income during 1889. 

For membership fees, 
annual dues, 
mortuary assessments, 
interest, 

rent and office furniture, 
members 1 deposits, 
borrowed money, 

Total income, . 
Balance on hand Dec. 31, 1888, 

Total, 






$6,693 00 

50,548 88 

253,029 25 

5,072 96 

3,499 00 

2,696 68 

25,000 00 



#346,539 77 
194,105 62 

$540,645 39 



Disbursements during 1889. 

For losses and claims (46 deaths), . . . $222,257 87 

advance assessments applied, . . . 8,600 67 

salaries and commissions to agents, . . 17,204 72 



1889.] 



INSURANCE COMPANIES. 



229 



For salaries of officers and employees, 
medical examiner's fees, 
rent, .... 
borrowed money repaid, 
miscellaneous, . 
Total disbursements, 

Balance, . 



$23,955 09 

1,294 00 

7,752 99 

25,000 00 

31,031 33 



$332,096 67 
$208,548 72 



Net ok Invested Assets. 

Agents 1 ledger balances, $2,685 32 

Cash in office 1,562 56 

Cash in bank 204,300 84 



Total $208,548 72 

Less agents 1 balances unsecured, 2,685 32 



Total net or iuvested assets, . 



$205,863 40 



Non-invested Assets. 



Office furniture, 



5,000 00 



Gross assets, $210,863 40 



Liabilities. 

Losses adjusted, due and unpaid, . . . $22,800 00 
Salaries, rents and office expenses due and 

accrued, 2,333 32 

Borrowed money, 17,000 00 

Advance assessments, 1,024 43 

Agents 1 commissions due, 2,745 21 

Total actual liabilities, .... 

Balance, net assets, 



45,902 96 



$164,960 44 



Contingent Mortuary Assets (or Resources). 

Mortuary assessments, called and not yet due, $ 7,231 76 . 

Mortuary assessments, due and unpaid, . . 2,337 23 
Mortuary assessments, not yet called for losses 

unadjusted, f 23,500.00 ; resisted, $67,000.00 ; 

and reported, $34,800.00, .... 125,300 00 

Total due from members, . . . f 134,868 99 

Deduct estimated cost of collection,. . . 13,436 89 

Net amount due from members, . . f 121,432 10 



230 



ASSESSMENT LIFE 



[Dec. 31, 



Contingent Mortuary Liabilities. 
Losses adjusted, not yet due (number of 

claims, 7), $22,800 00 

is in process of adjustment (number of 

claims, 5), 23,500 00 

Losses reported, not in process (number of 

claims, 2), 12,000 00 

Losses resisted (number of claims, 13), . . 67,000 00 

Total contingent mortuary liabilities, . $125,300 00 



Total Business of 1889 



Policies in force at beginning of year, 
Policies written during 1889, . 

Total, 

Policies ceased during 1889, 

Policies in force Dec. 31, 1889,. 

Losses and claims unpaid Dec. 31, 1888, 
Losses and claims incurred during 1889, 

Total, 

Losses and claims paid during 1889, 

Losses and claims unpaid Dec. 31, 1889, . 



Number. Amount. 

6,162 $22,288,200 00 
535 917,700 00 


6,697 
2,933 


123,205,900 00 
10,337,550 00 


3,764 $12,868,350 00 

20 $111,200 00 
46 199,800 00 


66 
46 


$311,000 00 
222,257 87 



20 



,742 13 



Business in Massachusetts during 1889. 

Number. 

57 
85 



Policies in force at beginning of year, 
Policies written during 1889, . 



Total, 

Policies ceased during 1889, 

Policies in force Dec. 31, 1889, . 

Losses and claims unpaid Dec. 31, 1888, 
Losses and claims incurred during 1889, 

Total, 

Losses and claims paid during 1889, 

Losses and claims unpaid Dec. 31, 1889, 



142 
96 



Amount. 

$63,500 00 
115,000 00 

$178,500 00 
128,500 00 



46 

2 
1 


$50,000 00 

$15,000 00 
1,000 00 


3 

2 


$16,000 00 
4,500 00 


1 


$11,500 00 



1889.] 



[NSURANCE COMPANIES. 



231 



"MUTUAL RESERVE FUND LIFE ASSOCIATION," 

NEW YORK, N. Y. 

[Incorporated 1875 and 1883. Commenced business Feb. 9, 1881.] 

Edward B. Harper, President, Frederick T. Braman, Secretary. 



Income during 1889. 

For membership fees, .... 
annual dues, t 

mortuary assessments, 

medical examiner's fees paid by applicant, 

interest, ...... 

miscellaneous, 



Total income, . 
Balance on hand Dec. 31, 1888, 



$119,190 80 

413,084 51 

2,466,113 30 

33,730 00 

72,190 29 

4,286 43 



13,108,595 33 
1,953,753 81 



Total, $5,062,349 14 



Disbursements during 1889. 



For losses and claims (499 deaths), . 
salaries and commissions to agents, 
salaries of officers and employees, 
medical examiner's fees, . 
cost of collecting assessments, . 
miscellaneous, .... 
Total disbursements, 



$1,836,031 26 

274,631 47 

84,615 00 

41,112 35 

108,851 44 

204,518 66 



2,549,760 18 



Balance, $2,512,588 96 



Net or Invested Assets. 

Loans on mortgages, 

Par value of bonds owned, 

Agents' ledger balances, 

Cash in office, 

Furniture and fixtures, 

Cash deposits on emergency or reserve fund account, 
Cash in bank, 



Total, 
Less furniture and fixtures, 



,797,000 00 

51,000 00 

92,212 54 

10,679 81 

8,975 31 

456,509 35 
96,211 95 

1,512,588 96 
8,975 31 



Total net or invested assets, . 



>,503,613 65 



232 



ASSESSMENT LIFE 



[Dec. 31, 



Non-invested Assets. 

Interest due, $20,279 36 

Market value of bonds over par, . . . 5,000 00 

Total non-invested assets, . . . $25,279 36 



Gross assets,- . 



. $2,528,893 01 



Liabilities. 



Advance assessments, 
Dividend obligations, 

Total actual liabilities, . 

Balance, net assets, 



$10,275 75 
286,584 83 



296,860 58 



. f2,232,032 43 



Contingent Mortuary Assets (or Resources). 

Mortuary assessments, called and not yet due, $832,826 00 
Mortuary assessments, due and unpaid, . . 28,1 14 00 

Annual dues in process of collection, . . 43,870 60 



Total due from members, 
Deduct estimated cost of collection, . 

Net amount due from members, 



$904,810 60 
58,812 05 



$845,998 55 



Contingent Mortuary Liabilities. 
Losses adjusted, not yet due (number of 

claims, 50), ....... $188,100 00 

Losses in process of adjustment (number of 

claims, 71), 257,300 00 

Losses resisted (number of claims, 4), . . 20,800 00 

Total contingent mortuary liabilities, . $466,200 00 



Total Business of 1889 



Policies in force at beginning of year, 
Policies written during 1889, . 



Total, 

Policies ceased during 1889, 

Policies in force Dec. 31, 1889, . 

Losses and claims unpaid Dec. 31, 1888, 
Losses and claims incurred during 1889, 



Total, 

lea and claims paid during 1889, 



Number. Amount. 

47,693 $168,902,850 00 
12,013 34,845,875 00 



59,706 $203,748,725 00 
6,491 22,390,525 00 



53,215 $181,358,200 00 



122 
484 



$496,550 00 
1,824,400 00 



606 $2,320,950 00 
499 1,836,031 00 



Losses and claims unpaid Dec. 31, 1889, . 



107 $184,919 00 



1889.] 



INSURANCE COMPANIES. 



233 



BUSINESS in Massachusetts during 1889. 

Number. 

Policies in force at beginning of year, . . . 1,699 
Policies written daring 1889, 332 



Total, . 
Policies ceased during 1889, 

Policies in force Doc. 81, 1889, 



Losses and claims unpaid Dec. 31, 1888, 
Losses and claims incurred during - 1889, 

Total, 

Losses and claims paid during 1889, 

Losses and claims unpaid Dec. 31, 1889, 



2,031 
335 



Amount. 

$7,991,500 00 
1,825,000 00 

$9,816,500 00 
2,199,000 00 



1,696 


$7,617,500 00 


8 


$38,400 00 


16 


58,450 00 



24 
20 



$96,850 00 
76,950 00 

$19,900 00 



"THE NATIONAL LIFE AND MATURITY ASSOCIATION OF 
WASHINGTON, D. C," WASHINGTON, D. C. 

[Incorporated Feb. 4, 1S84. Commenced business May 3, 1883.] 
Paid-up Capital, $20,000. 

Horatio Browning, President. George D. Eldridge, Secretary. 

Income during 1889. 

For annual dues, $21,321 52 

mortuary assessments, $33,799 08; maturity, $76,249.80, . 110,048 88 

interest, $1,796.43; rent, $1,117.60, 2,914 03 

miscellaneous, 21,604 98 



Total income, $155,889 41 

Balance on hand Dec. 31, 1888 168,302 23 



Total, $324,191 64 



Disbursements during 

For losses and claims (15 deaths), . 
maturity values paid, . 
surrender values paid, 
salaries and commissions to agents, 
salaries of officers and employees, 
medical examiner's fees, . 
rent, $1,794 00; taxes, $2,322 25; print 

ing, f 3,578.55, .... 
miscellaneous, .... 

Total disbursements, 

Balance, 



1889. 

$ 26,1 41 40 

122,500 00 

52,435 91 

6,171 16 

32,602 31 

3,253 00 

7,694 80 

2,446 71 



253,245 29 
$70,946 35 



234 



ASSESSMENT LIFE 



[Dec. 31, 



Net ob [nvested Assets. 

Loans on mortgages, 

Loan- secured by pledge of bonds, stocks, etc., 

Cosl value of stocks owned, 

Agents 1 ledger balances, 

( !ash in office, 

( lash deposits on emergency or reserve fund account, 
Personal property, 



Total, 

Less agents 1 balances unsecured, 

Less personal property, 

Total net or invested assets, . 

Non-invested Assets. 

Interest due, $572.83 ; accrued, $30.32, 

Supplies and furniture, 

Market value of stock over cost, 
Total non-invested assets, 



,242 42 
410 00 



$3,750 00 

15,542 57 

550 00 

1,242 42 

1,146 49 

48,304 87 

410 00 

$70,946 35 
1,652 42 



$69,293 93 



$606 15 

1,500 00 

450 00 



2,556 15 



Gross assets, $71,850 08 

Contingent Mortuary Assets (or Resources). 

Mortuary assessments, called and not yet due, $9,477 16 

Mortuary assessments, due and unpaid, . . 1,572 82 
Mortuary assessments, not yet called for losses 

unadjusted, 2,000 00 

Mortuary assessments, resisted, . . . 6,000 00 



Total due from members, 
Deduct estimated cost of collection, . 
Net amount due from members, 



$19,049 98 
952 45 



$18,097 53 



Contingent Mortuary Liabilities. 

Losses adjusted, not yet due (number of 

claims, 2), $4,000 00 

Losses in process of adjustment (number of 

claims, 2), . 2,000 00 

Losses resisted (number of claims, 2), . . 6,000 00 

Total contingent mortuary liabilities, . 



$12,000 00 



Total Business of 1889. 



Policies in force at beginning of year, 
Policies written during 1889, . 

Total, 

Policies ceased during 1889, 

Policies in force Dec. 31, 1889, . 



Number. Amount. 

1,752 $2,613,000 00 
3,035 2,931,900 00 



4,787 $5,544,900 00 
1,155 1,541,200 00 



3,632 $ 1,003,700 00 



1889.] 



INSURANCE COMPANIES. 



235 



jes intl claims unpaid Dec. 81, 1888, 
- and claims incurred during 1889, 

Total 

Losses and claims paid during 1889, 

3es and claims unpaid Dec 31, 



Number. 

2 

ID 


Amount. 

$8,000 00 
33,900 00 


21 
15 


811,900 00 
26,141 00 



L5,759 00 



Business in Massachusetts during 1889. 

Policies in force at beginning of year, 

Policies written during L889, . 

Total 

Policies ceased during 1889, 

Policies in force Dec. 31, 1889, . 

Losses and claims incurred during 1889, 
3es and claims unpaid Dec. 81, 1889, 



Number. 

25 

9 


Amount. 

$40,000 00 
12,500 00 


84 

9 


$52,500 00 
14,000 00 


25 

1 
1 


$38,500 00 

$1,000 00 
1,000 00 



" NORTHWESTERN MASONIC AID ASSOCIATION," CHICAGO, ILL. 

[Incorporated June 27, 1874. Commenced business July, 1874.] 

Daniel J. Avery, President. James A. Stoddard, Secretary. 

Income during 1889. 

For membership fees, $105,412 00 

mortuary assessments, $1,253,382.04 ; expense, $270,223.85, 1,523,605 89 

interest,* . . . 4,014 00 

miscellaneous, 5,397 65 



Total income $1,638,429 54 

Balance on hand Dec. 31, 1888, 277,960 50 



Total, $1,916,390 04 



Disbursements during 1889. 



For losses and claims (442 deaths), . 
advance payments returned, 
salaries and commissions to agents, 
salaries of officers and employees, 
medical examiner's fees, . 
rent, $8,134.74 ; printing, $5,086.57, 
miscellaneous, .... 
Total disbursements, 



Balance, $347,068 80 



$1,290,050 00 
11,294 00 
93,817 00 
105,569 28 
17,866 20 
13,221 31 
37,503 45 



1,569,321 24 



236 



ASSESSMENT LIFE 



[Dec. 31, 



Net or Invested Assets 
Cost value of bond- owned, 
Agents' Ledger balances, . 
Cash in office, . 
Cash in bank, . 

Total, 
Less agents' balances unsecured, 

Total net or invested assets, 



$101,469 75 

1,058 35 

149 93 

183,490 77 

$347,068 80 
1,958 35 

$345,110 45 



Non-invested Assets. 



Interest accrued, 



483 00 



Gross assets, f 345,593 45 



Liabilities. 

Losses adjusted, due and unpaid, . . . $80,500 00 

Taxes due and accrued, 7,500 00 

Advance assessments, 36,830 32 

All other {not including contingent mortuary), 1,693 90 

Total actual liabilities, .... 

Balance, net assets, 



126,524 22 
$219,069 23 



Contingent Mortuary Assets (or Resources). 

Mortuary assessments, called and not yet due, $20,000 00 
Mortuary assessments, not yet called for losses 

unadjusted, 43,200 00 

Mortuary assessments, reported, . . . 113,500 00 

Net amount due from members, . . $176,700 00 



Contingent Mortuary Liabilities. 

Losses in process of adjustment (number of 

claims, 18), $43,200 00 

Losses reported, not in process (number of 

claims, 44), 113,500 00 

Total contingent mortuary liabilities, . 



$156,700 00 



Total Business of 1889. 

Number. Amount. 

Policies in force at beginning of year, . . . 47,041 $131,248,500 00 
Policies written during 1889, 10,527 27,304,500 00 



Total, 
Policies ceased daring 1889, 

Policies in force Dec. 81, 1889, 



. 57,568 $158,553,000 00 
. 4,528 12,998,500 00 



. 53,010 $145,554,500 00 



1889.] 



INSURANCE (COMPANIES. 



237 





Number. 


Amount. 


Losses and claims unpaid Dim 1 . 81, 1888, . 


113 


?:U2,750 00 


Losses and claims incurred during 1889,. 


424 


1,204,500 00 


Total 


537 


$1,547,250 00 


Losses and claims paid during 1889, 


444 


1,302,550 00 


Losses and claims unpaid Dec. 81, 1889, . 


93 


$244,700 00 


Business in Massachusetts 


DURING 1889. 






Number. 


Amount. 


Policies in force at beginning of year, . 


449 


$1,318,500 00 


Policies written during 1889, . 


247 


725,500 00 


Total, 


696 


$2,044,000 00 


Policies ceased during 1889, 


38 


112,000 00 


Policies in force Dec. 31, 1889, . 


658 


$1,932,000 00 


Lo and claims incurred during 1889, . 


4 


$10,000 00 


eg and claims paid during 1889, 


4 


10,000 00 



"OHIO VALLEY LIFE COMPANY,' 1 WASHINGTON, D. C. 

[Incorporated July 4, 1S78. Commenced business July 4, 1878.] 

ROBERT White, President. T. B. Campbell, Secretary. 

Income during 1889. 



For membership fees, 

annual dues, 

mortuary assessments, .... 

reserve fund, 

medical examiner's fees paid by applicant, 
miscellaneous, 

Total income, 

Balance on hand Dec. 31, 1888, 

Total, 



Disbursements during 1889 
For losses and claims (34 deaths), . 
returned to members, 
salaries and commissions to agents, 
salaries of officers and employees, 
medical examiner's fees, . 
miscellaneous, .... 
Total disbursements, 



Balance, 



,638 64 
2,840 79 
2,945 00 
17,835 19 
1,368 00 
5,565 56 



$3,672 84 

21,287 18 

78,678 55 

3,933 18 

1,268 00 

782 60 

$109,622 35 
19,118 40 

$128,740 75 



100,093 18 

$28,647 57 



238 



ASSESSMENT LIFE 

Net or Invested Assets. 



Loans <>n mortgages, 

Cost value of bonds owned 

( 'ash in office, ....... 

Cash in bank, 

Total net or invested assets, . 

Non-invested Assets. 

Interest accrued, 

Furniture, stamps, etc., ..... 



Gross assets, 



Liabilities. 
Losses adjusted, due and unpaid, 
Total actual liabilities, . 

Balance, net assets, 



$2,000 00 



[Dec. 31, 



$6,500 00 

8,492 00 

1,861 46 

12,294 11 

$28,647 57 



45 00 

2,004 00 

$30,696 57 



2,000 00 



28,696 57 



Contingent Mortuary Assets (or Resources). 
Mortuary assessments, called and not yet due, $10,250 00 
Mortuary assessments, due and unpaid, . . 8,953 88 

Mortuary assessments, not yet called for losses 
unadjusted, 18,000 00 



Total due from members, 
Deduct estimated cost of collection,. 
Net amount due from members, 



$37,203 88 
1,860 19 



$35,343 69 



Contingent Mortuary Liabilities. 
Losses adjusted, not yet due (number of 

claims, 4), $ 8,000 00 

Losses in process of adjustment (number of 

claims, 8), 14,000 00 



Total contingent mortuary liabilities, 

Total Business of 

Policies in force at beginning of year, 
Policies written during 1889, . 


1889. 

Number. 

3,424 
634 


$22,000 00 

Amount. 

$7,231,500 00 
1,178,000 00 


Total, 

Policies ceased during 1889, . 


4,058 
555 


$8,409,500 00 
1,100,500 00 


Policies in force Dec. 31, 1889, . 

Losses and claims unpaid Dec. 31, 1888, . 
Losses and claims incurred during 1889, . 


3,503 

8 
39 


$7,309,000 00 

$21,000 00 
72,638 00 


Total, 

Losses and claim- paid during 1889, 


47 
34 


PJ:)^:)S 00 
69,688 00 


Losses and claims unpaid Dec. 31, 1889, . 


13 


$24,000 00 



1889.] 



INSURANCE COMPANIES. 



239 



Business in Massachusetts during 1889 

Policies in force at beginning of year, 

Policies written during 1889, . 



Total 

Policies ceased during 1889, 

Policies in force Dec. 31, 1- 



Number. 

228 
57 


Amount. 

$847,()<H) 00 
156,000 00 


285 
45 


$1,003,000 00 
115,000 00 


240 


$888,000 00 



"PROVIDENT AID SOCIETY," PORTLAND, ME. 

[Incorporated March 5, 1S85. Commenced business Oct. 15, 1885.] 

Frank i. in J. Rollins, President. Everett Smith, Secretary. 

Income during 1889. 



For membership fees, 
annual dues, 
mortuary assessments, 
interest, 
miscellaneous, 



Total income, 
Balance on hand Dec 



Total, 



31, 1888, 



Disbursements during 1889. 

For losses and claims (12 deaths), . . . $32,500 00 

collection of membership fees, . . . 844 92 

salaries and commissions to agents, . . 4,574 97 

salaries of officers and employees, . . 6,778 64 

miscellaneous, 2,737 80 

Total disbursements, 



Balance, 



Net or Invested Assets. 

Cash in office, . . 

deposits on emergency or reserve fund account, 
in bank, 



Total net or invested assets, .... 

Liabilities. 
Salaries, rents and office expenses due and accrued, 

Balance, net assets, 



|7,019 87 

6,560 19 

30,861 19 

883 27 

30 31 



$45,354 83 
23,865 23 



$69,220 06 



47,436 33 



$21,783 73 



$100 68 

19,843 40 

1,839 65 



$21,783 73 



3,414 11 



$18,369 62 



240 



ASSESSMENT LIFE 



[Dec. 31, 



Contingent Mortuary Assets (oh Resources). 
Mortuary assessments, called and not yet due. . . . $7,500 00 



Contingent Mortuary Liabij 
Loss.-- reported, not in process, 

Total Business of 1889 



Policies in force at beginning of year, 
Policies written during 1889, . 

Total, 

Policies ceased during 1889, 

Policies in force Dec. 31, 1889, . 

Losses and claims unpaid Dec. 31, 1888, 
Losses and claims incurred during 1889, 

Total, 

Losses and claims paid during 1889, 

Losses and claims unpaid Dec. 31, 1889, 



Business in Massachusetts 

i 

Policies written during 1889, . . 
Policies ceased during 1889, 

Policies in force Dec. 31, 1889, . 



ities. 



$5,000 00 



Number. 


Amount. 


1,707 


$5,3 14,000 00 


509 


1,167,500 00 



2,216 
213 



1,481,500 00 
636,000 00 



2,003 $5,845,500 00 



1 
12 



$1,000 00 
36,500 00 



13 

12 



$37,500 00 
32,500 00 



$5,000 00 



DURING 1889. 
Number. 

216 

2 


Amount. 

$530,000 00 
4,000 00 


214 


$526,000 00 



"WESTERN UNION MUTUAL LIFE SOCIETY OF THE UNITED 
STATES," DETROIT, MICH. 

[Incorporated Feb. 14, 1880. Commenced business March 3, 1880.] 

AV.m II. Brace, President. Lyman M. Thayer, Secretary. 



Income during 1889. 



For membership fees, 
annual dues, 
mortuary assessments, 
interest, . 

Total income, . 
Balance on hand Dec. 31, 1888, 

Total, . 



$36,138 00 

48,609 29 

349,605 78 

942 58 

$435,295 Go 
31,898 25 

$467,193 90 



L889.] 



INSURANCE COMPANIES. 



241 



Disbursements during 1889. 



For losses and claims (62 deaths), . 
advance payments returned, 
salaries and commissions to agents, 
salaries of officers and employees, 
medical examiner's fees, 
rent, .... 
printing, . 
miscellaneous, . 
Total disbursements, 



$327,500 00 

154 47 

50,2G0 81 

18,228 46 

4,413 00 

1,726 00 

3,499 72 

6,486 30 



|412,268 76 



Balance $54,925 14 



Net or Invested Assets. 

Cash deposits on emergency or reserve fund account, 
Cash in bank, 



Total net or invested assets, . 



,799 83 
5,125 31 



$54,925 14 



Contingent Mortuary Assets (or Resources). 
Mortuary assessments, called arid not yet due, $88,389 21 
Mortuary assessments, due and unpaid, . . 73 51 
Total due from members, . . . 



,462 72 



Contingent Mortuary Liabilities. 
Losses adjusted, not yet due (number of 

claims, 7) $42,500 00 

Losses in process of adjustment (number of 

claims, 2), 12,500 00 

Total contingent mortuary liabilities, . 



$55,000 00 



Total Business of 1889. 



Policies in force at beginning of year, 
Policies written during 1889, . 

Total, 

Policies ceased during 1889, 



Number. Amount. 

5,375 $26,660,000 00 
1,447 7,617,000 00 



6,822 $34,277,000 00 
1,230 5,645,000 00 



Policies in force Dec. 31, 1889, . 



5,592 $28,632,000 00 



242 



ASSESSMENT LIFE INS. CO'S. [Dec. 31, '89. 



Losses and claims unpaid Dec. 31, 1888, . 
Losses and claims incurred during 1889, . 



Total, 

Losses and claims paid during 1889, 

Losses and claims unpaid Dec. 31, 1889, . 



Number. 


Am mnt. 


30 


£132,500 00 


48 


250,000 00 



78 $382,500 00 
69 327,500 00 



9 $55,000 00 



Business in Massachusetts during 1889. 

Number. 

20 
127 



Policies in force at beginning of year, 
Policies written during 1889, . 



Total, 
Policies ceased during 1889, 



147 
2 



Amount. 

$95,000 00 
757,500 00 

$852,500 00 
5,000 00 



Policies in force Dec. 31, 1889, . 



145 ^$847,500 00 



MASSACHUSETTS ASSESSMENT 
CASUALTY INSURANCE COMPANIES. 



ABSTRACT OF ANNUAL STATEMENTS, DEC. 31, 1889. 



SUMMARY OF STATEMENTS RECEIVED. 



BERKSHIRE HEALTH AND ACCIDENT ASSOCIATION, BOSTON. 

[Incorporated Jan. 15, 18S5. Commenced business Feb. 7, 1885 ] 

G. F. Washburn, President. R. A. Washburn, Secretary. 

Office, 57 Tcmjrte Place. 

Income during 1889. 

For membership fees, $525 00 

annual dues, 1,776 98 

indemnity assessments, 3,153 57 

medical examiner's fees paid by applicant, . . . 105 00 

interest, 35 00 



Total income, . 
Balance on hand Dec. 31, 1888, 



Total, 



$5,595 55 
2,103 24 



$7,698 79 



Disbursements during 1889. 
For losses and claims, casualties, . . . $2,543 58 



advance payments returned, 
salaries and commissions to agents, 
salaries of officers and employees, 
medical examiner's fees, . 
miscellaneous, .... 
Total disbursements, 



Balance, 



3 60 

525 00 

1,441 35 

105 00 

438 09 



5,056 62 



$2,642 17 



Net or Invested Assets. 

Cost value of bonds owned, 

Cash in office, ........ 

Cash in bank. ........ 



Total net or invested assets, . 



$1,025 46 

34 24 

1,441 22 



$2,500 92 



Non-invested Assets. 



Interest accrued, 

Gross assets, 



141 25 



$2,642 17 



246 



ASSESSMENT CASUALTY 



Contingent Mortuary Liabilities. 
Losses resisted (number of claims, 1), . 

Total Business of 1889 



Policies in foroe at beginning of year, 
Policies written during 1889, . 

Total, 

Policies ceased during 1889, 

Policies in force Dec. 31, 1889, . 

Losses and claims incurred during 1889, 

Total, 

Losses and claims paid during 1889, 

Losses and claims unpaid Dec. 31, 1889, 



[Dec. 31, 

$71 66 



Number. Amount. 

543 
105 



648 
260 



388 
68 



>,615 00 



68 $2,615 00 
67 2,543 00 



$72 00 



CHELSEA RESERVE FUND ASSOCIATION, CHELSEA. 

[Incorporated Feb. 25, 1888. Commenced business July 28, 1888.] 

Charles H. Ferson, President. C. Lawton, Secretary. 

Income during 1889. 



For membership fees, 

mortuary assessments, .... 
medical examiner's fees jDaid by applicant, 



Total income, . 
Balance on hand Dec. 31, 1888, 



Total, 



Disbursements during 1889. 



For salaries of officers and employees, 
medical examiner's fees, . 

rent, 

printing, . . ^ 
Total disbursements, 

Balance, 



Net or Invested Assets. 

( lash in otlice, 

( lash deposits on emergency or reserve fund account, . 

Total, 



$75 00 


230 


00 


50 


00 


$355 00 


228 


32 



$583 32 



$135 00 




50 00 




60 00 




125 25 






370 25 







$213 07 



$13 07 
200 00 

$213 07 



1889.] 



INSURANCE COMPANIES. 



247 



Contingent Mortuary Liabilities. 
Losses in process of adjustment (number of claims, 1),. 

Total Business of 1889 



Policies at beginning of year, . 
Policies written during 1889, . 

Total, . 

Policies ceased during 1889, . 

Policies in force Dec. 31, 1889, . 



Losses and claims incurred during 1889, 
Losses and claims unpaid Dec. 31, 1889, 



282 
11 



271 

1 
1 



$200 00 



Number. 


Amount. 


232 


$46,400 00 


50 


10,000 00 



$50,400 00 

2,200 00 

$54,200 00 

$200 00 

200 00 



LIFE AND CASUALTY ASSURANCE ASSOCIATION, BOSTON. 

[Incorporated Oct. 25, 1888. Commenced business Feb. 7, 1889.] 

J. E. Soper, President. E. C. Attwood, Secretary. 

Office, 35 Congress Street. 

Income during 1889. 

For membership fees, $1,698 00 

annual dues, 424 00 

assessments, 715 23 

medical examiner's fees paid by applicant, . . . 189 97 

borrowed money, . . . . ' . . . . 2,335 92 

miscellaneous, 152 94 

Total income, $5,516 06 

Disbursements during 1889. 

For losses and claims, $447 00 

salaries and commissions to agents, . . 1,698 00 

salaries of officers and employees, . . 1,352 25 

medical examiner's fees, .... 218 00 

rent 460 00 

advertising and printing, .... 443 97 

miscellaneous, 475 67 

Total disbursements, .... - 5,094 89 

Balance, $421 17 

Net or Invested Assets. 

Cash in office, $145 63 

deposits on emergency or reserve fund account, . . 171 72 

in bank, 103 82 

Total net or invested assets, $421 17 



248 



ASSESSMENT CASUALTY 



[Dec. 31, 



Liabilities. 



Borrowed money, 

Deficiency, 



$2,885 92 
11,914 75 



Total Business in Massachusetts during 1889 

Policies written during- 1889, . 
Policies ceased during 1889, 

Policies in force Dec. 81, 1889, . 

Losses and claims incurred during 1889, . 
Losses and claims paid during 1889, 

Losses and claims unpaid Dec 31, 1889, . 



Number. 

213 
75 


Amount. 

$60,200 00 
16,100 00 


138 

12 
11 


§44,100 00 

§500 00 
447 00 



§53 00 



MASSACHUSETTS MUTUAL ACCIDENT ASSOCIATION, 

BOSTON. 



[Incorporated Dec. 8, 1883. Commenced business Jan. 1, 18S4.] 

Everett A. Stevens, President. George E. McNeil, Secretary. 

Office, 131 Devonshire Street. 

Income during 1889. 
For membership fees, 



annual dues, 
mortuary assessments, 
miscellaneous, 

Total income, . 
Balance on hand Dec. 31, 1888, 



Total, 



Disbursements during 1889. 



For losses and claims, .... 
salaries and commissions to agents, . 
salaries of officers and employees, 
medical examiner's fees, . 

miscellaneous, 

Total disbursements, 



Balance, 



§3,872 99 

4,749 49 

3,194 90 

521 30 

1,858 24 



Net or Invested Assets. 
Cash deposits on emergency or reserve fund account, . 
Cash in bank, 



§4,773 00 
2,060 00 
7,899 00 
2,581 28 

£17,313 28 
3,787 04 

§21,100 32 



Total net or invested assets, . 



14,196 92 

£6,903 40 



§2,677 21 
4,226 19 

£6,903 40 



1889.] 



INSURANCE COMPANIES. 
Liabilities. 



Capital stock, 

Balance, ne1 assets, 



249 



$2,550 00 
$4,353 40 



Contingent Mortuary Assets (or Resources). 
Assessments, called and not yet due, . . . $852 00 

Assessments, called for resisted losses, . . . 5,000 00 

Total due from members, .... $5,852 00 



Contingent Mortuary Liabilities. 
Losses resisted (number of claims, 1), 



Total Business of 1889 



Policies in force at beginning of year, 
Policies written during 1889, . 

Total 

Policies ceased during 1889, 

Policies in force Dec. 31, 1889, . 

Losses and claims unpaid Dec. 31, 1888, 
Losses and claims incurred during 1889, 

Total, 

Losses and claims paid during 1889, 

Losses and claims unpaid Dec. 31, 1889, . 



$5,000 00 



Number. Amount. 

1,006 $3,401,500 00 
1,021 2,572,000 00 


2,027 $5,973,500 00 
810 2,066,250 00 


1,217 

3 

118 


$3,907,250 00 

$5,061 00 
3,811 00 


121 
120 


$8,872 00 
3,872 00 



$5,000 00 



Business in Massachusetts during 1889. 

Policies in force at beginning of year, 
Policies written during 1889, . 

Total 

Policies ceased during 1889, 

Policies in force Dec. 31, 1889, . 

Losses and claims unpaid Dec. 31, 1888, 
Losses and claims incurred during 1889, 

Total, 

Losses and claims paid during 1889, 

Losses and claims unpaid Dec. 31, 1889, 





Number. 

939 
918 


Amount. 

$3,179,000 00 
2,269,750 00 




1,857 
788 


$5,448,750 00 
1,916,250 00 


• 


1,069 

2 
101 


$3,532,500 00 

$33 00 
8,156 00 


• 


103 
102 


$8,189 00 
3,189 00 



$5,000 00 



250 



ASSESSMENT CASUALTY 



[Dec. 31, 



MERCANTILE MUTUAL ACCIDENT ASSOCIATION, BOSTON. 

[Incorporated Jan. 4, 1881. Commenced businees Jan. 24, 1S81.] 

William B. Brown, President. William L. Wellman, Secretary. 

Office, 18 Post Office Square. 



Income during 1889. 
For membership fees, 

annual dues, 

disability assessments, $25,121.24; expense, $1,159.11, 

interest, 

advance assessments, 



$6,138 00 

10,556 51 

26,280 35 

338 64 

432 03 



Total income, $43,745 53 



Balance on hand Dec. 31, 1888, 



11,968 30 



Total, $55,713 83 



Disbursements during 1889. 



For losses and claims (279), . 
advance payments returned, 
salaries and commissions to agents, 
salaries of officers and employees, 
medical examiner's fees, . 
miscellaneous, .... 
Total disbursements, 



Balance, 



$24,241 16 
15 50 
6,567 61 
7,701 20 
1,153 79 
3,099 65 



42,778 91 



Net or Invested Assets. 
Cash in office, 

emergency fund in State treasury, . 

in bank, ........ 



Total net or invested assets, . 

Liabilities. 



$12,934 92 


$1,461 50 


7,965 25 


3,508 17 


$12,934 92 



Advance payments, 432 03 

Balance, net assets, $12,502 89 

Contingent Mortuary Assets (or Resources). 
Assessments, called and not yet due, . . $3,200 00 

Assessments, due and unpaid, .... 1,000 00 

Assessments, called for resisted claims, . . 9,000 00 

Total due from members, . . . $13,200 00 

Contingent Mortuary- Liabilities. 
Losses adjusted, not yet due (number of 

claims, 1), $1,250 00 

Losses in process of adjustment (number of 

claims, 23), 1,600 00 

Losses resisted (number of claims, 2), . . 9,000 00 

Total contingent mortuary liabilities, . $ 11,850 00 



L889.] 



INSURANCE COMPANIES. 



251 



Total Business of 1889 

Policies in force at beginning of year, 
Policies written during 1889, . 

Total, 

Policies ceased during 1889, 

Policies in force Dec. 31, 1889, 

Losses and claims unpaid Dec. 31, 1889, 
Losses and claims incurred during 1889, 

Total, 

Losses and claims paid during 1889, 

Losses and claims unpaid Dee. 31, 1889, 

Business in Massachusetts during 1889. 

Number. Amount. 

Policies in force at beginning of year, 
Policies written during 1889, . 

Total, 

Policies ceased during 1889, 

Policies in force Dec. 31, 1889, 

Losses and claims unpaid Dec. 31, 1888, 
Losses and claims paid during 1889, 



3 ur 




Number. Amount. 

3,904 $15,355,550 00 
1,605 4,140,500 00 


5,509 $19,496,050 00 
2,194 5,465,000 00 


3,315 $14,031,050 00 

27 $11,250 00 
278 24,841 00 


305 f36,091 00 
279 24,241 00 


26 $11,850 00 



1,367 


3,446,000 00 


4,821 $17,108,750 00 
1,809 4,408,750 00 


3,012 $12,700,000 00 

26 $6,250 00 
203 21,379 00 



NEW ENGLAND MUTUAL ACCIDENT ASSOCIATION, BOSTON. 

[Incorporated Feb. 29, 1884. Commenced business March, 1884.] 

Augustus P. Martin, President. Benjamin F. Dyer, Secretary. 

Office, 85 Water Street. 

Income during 1889. 

For membership fees, $34,234 00 

annual dues, 1,390 50 

accident and mortuary assessments, $51,338.00 ; expense, 

$36,712.00, 88,050 00 

miscellaneous, 533 75 

Total income, $124,208 25 

Balance on hand Dec. 31, 1888, 27,436 81 

Total, $151,645 06 

Disbursements during 1889. 

For losses and claims (7 deaths), . . . $13,775 00 
losses and claims (686 casualties), . . 30,203 65 

assessments returned, .... 701 00 



252 



ASSESSMENT CASUALTY 



[Dec. 31, 



For salaries and commissions to agents, 
salaries of officers and employees, 
medical examiner's fees, 
expenses of adjustment, 
miscellaneous, . 
Total disbursements, 



Balance, 



£34,032 56 

19,964 88 

2,921 50 

4,832 88 

9,494 30 



Net or Invested Assets 

Emergenc} 7 fund in State treasury, . 
Agents 1 ledger balances, . 

Cash in office, 

Cash in bank, 



Total, 

Less agents' balances unsecured, 

Total net or invested assets, . 



6115,925 77 
§35,719 29 



§20,804 88 

2,047 33 

350 23 

12,516 85 



§35,719 29 
2,047 33 

§33,671 96 



Non-invested Assets. 



Furniture and fixtures, 
Interest accrued, 
Market value of bonds over cost, 
Total non-invested assets, 



Gross assets, 



§2,442 02 
160 00 
412 62 



3,014 64 



$36,686 60 



Taxes due and accrued, 
Advance assessments, 
Miscellaneous, . 

Total actual liabilities, 

Balance, net assets, 



Liabilities. 



§50 00 

2,280 00 

500 00 



2,830 00 



$33,856 60 



Contingent Mortuary Assets (or Resources). 

Assessments, called and not yet due, . . §4,034 00 

Assessments, not yet called for losses unad- 
justed, $680.70; resisted, §5,861.00; and 
reported, §3,166.06, .... 9,707 76 

Total due from members, . . . $13,741 76 



Contingent Mortuary Liabilities. 

Losses in process of adjustment (number of 

claims, 14), $680 70 

Losses reported, not in process (number of 

claims, 715), 3,166 06 

Losses resisted (number of claims, 8), . . 9,895 00 

Total contingent mortuary liabilities, . 



$13,741 76 



L889.] 



INSURANCE COMPANIES. 



253 



Total ISusiness of 1889 



Number. 

6,944 
7,734 



Amount. 



Policies in force at beginning of year, 
Policies written during 1889, . 

Total, 

Policies ceased during 1889, 

Policies in force Dec. 81, 1889, . 

Losses and claims unpaid Dec. 31, 1888, 
Losses and claims incurred during- 1889, 

Total, ... 
Losses and claims paid during 1889, 

Losses and claims unpaid Dec. 31, 1889, 



Business in Massachusetts during 1889. 

Policies in force at beginning of year, 
Policies written during 1889, . 

Total, 

Policies ceased during 1889, ■ . 

Policies in force Dec. 31, 1889, . 

Losses and claims incurred during 1889, 
Losses and claims paid during 1889, 

Losses and claims unpaid Dec. 31, 1889, 



$7,697,625 00 

22,221,625 00 



14,678 $49,919,250 00 
6,835 19,110,500 00 


7,843 $30,808,750 00 

7 $15,000 00 
694 38,873 00 


701 
693 


$53,873 00 
43,978 00 



$9,895 00 







Number. Amount. 

3,209 $12,688,875 00 
2,046 6,775,500 00 


5,255 
1,750 

3,505 

241 

238 


$19,464,375 00 
4,889,000 00 


$14,575,375 00 

$16,048 00 
12,148 00 


3 


$3,900 00 



PIONEER LIFE AND CASUALTY INSURANCE COMPANY, 

BOSTON. 

[Incorporated June 1, 18S9. Commenced business Aug. 24, 1889.] 

Samuel F. Head, President. Charles Bulle, Secretary. 

Office, 70 Devonshire Street. 

Income during 1889. 

For membership fees, $398 00 

annual dues, 243 31 

mortuary assessments, $103.69 ; emergency, $345.57, . 449 26 

medical examiner's fees paid by applicant, . . . 318 32 

borrowed money, 1,700 21 

Total income, $3,109 10 

Disbursements during 1889. 

For losses and claims, $92 57 

advance payments returned, ... 4 45 

salaries and commissions to agents, . . 336 22 



$957 33 




328 00 




924 62 






$2,643 19 





254 ASSESSMENT CASUALTY [Dec. 31, 

For salaries of officers and employees, . 

medical examiner's fees, .... 

miscellaneous, 

Total disbursements, .... 

Balance, $465 91 

Net or Invested Assets. 

Emergency fund in State treasury, $306 00 

Cash in office, 25 94 

deposits on emergency or reserve fund account, . 35 12 

in bank, 98 85 



Total net or invested assets, $465 91 

Liabilities. 

Salaries, rents and office expenses due and accrued, $485 47 

Borrowed money, 1,700 21 

Total actual liabilities, .... 2,185 68 



Deficiency, $1,719 77 

Contingent Mortuary Assets (or Resources). 
Mortuary assessments, due and unpaid, $47 86 

Total Business of 1889, all in Massachusetts. 

Number. Amount. 

Policies written during 1889, .... 
Policies ceased during 1889, .... 

Policies in force Dec. 31, 1889, .... 

Losses and claims incurred during 1889, . 
Losses and claims paid during 1889, 



328 

no 


$137,700 00 
45,900 00 


218 

3 
3 


$91,800 00 

$93 00 
93 00 



NEW ENGLAND LIVE STOCK INSURANCE COMPANY, BOSTON. 

[Incorporated April 12, 1888. Commenced business Oct. 13, 1888.] 

J. A. Harwood, President. Everett S. Litchfield, Secretary. 

Office, 120 Tremont Street. 

Income during 1889. 

For membership fees, $8,704 42 

annual dues, 470 39 

mortuary assessments, $10,688.90 ; expense, $1,355.75, . 12,044 65 

Total income, $21,219 46 

Balance on hand Dec. 31, 1888, 1,058 22 



Total, $22,277 68 



1889.] 



INSURANCE COMPANIES. 



255 



Disbursements during 1889. 



For losses and claims, 

salaries and commissions to agents, 
salaries of officers and employees, 

medical examiner's fees, . 
taxes, |549.50; printing, $586.56, 
miscellaneous, .... 
Total disbursements, 



Balance, 



$7,449 77 
5,241 84 
2,813 49 
1,025 07 
1,136 06 
1,380 29 



$19,046 52 
$3,231 16 



Net or Invested Assets. 



Agents 1 ledger balances, 
( Sash in office, . 
Cash in bank, . 



Total 

Less agents 1 balances unsecured, 

Total net or invested assets, . 



$550 64 

691 47 

1,989 05 


$3,231 16 
550 64 



§2,680 52 



Contingent Mortuary Assets (or Resources). 

Mortuary assessments, called and not yet due, $936 54 

Mortuary assessments, due and unpaid, . . 221 49 

Mortuary assessments, not yet called for losses 

unadjusted, 1,659 57 

Net amount due from members, . . $2,817 60 



Contingent Mortuary Liabilities 
Losses adjusted, not yet due (number of claims, 5), 



$1,295 00 



Total Business of 1889, all in Massachusetts. 



Policies in force at beginning of vear, 
Policies written during 1889, . 

Total 

Policies ceased during 1889, 

Policies in force Dec. 31, 1889, . 

Losses and claims unpaid Dec. 31, 1888, 
Losses and claims incurred during- 1889, 

Total, 

Losses and claims paid during 1889, 

Losses and claims unpaid Dec. 31, 1889, 



Number. 

571 

2,135 


Amount. 

$94,971 00 
340,913 00 


2,706 
1,300 


$435,884 00 
200,133 00 


1,406 

3 

49 


$235,751 00 

$425 00 
8,320 00 


52 

47 


$8,745 00 
7,450 00 


5 


$1,295 00 



SUMMARY OF THE BUSINESS 



OF 



ASSESSMENT LIFE AND CASUALTY 
INSURANCE COMPANIES. 



258 



ASSESSMENT LIFE AND 



[Dec. 31, 



60 

- 8 



o 



•5 













o 


8 


o 


o 


in 


o 


g 


s 


§ 


i« 


© 


© 


© 


© 




o 


3 


o 




o 


(N 


© 


© 


o 


s 


s O c 


00 


o 


«o 


T^ 


Tt 


CN 


°i 


co 


CO 


iO 


in 


m 






























"" — CJ 


■<* 


00 




oo 


t-^" 


CN 




CO 


of 


lO 


I-H 


i—c 


© 


3 


5 x = 

E u § 

.3 O u 


i- 




■»* 


t-H 




CN 




t^ 


<"/.' 


t- 




© 


eo 


«» 




CN 










ro 
■J.- 




<N 




CN 


l-H 




ez o 3 






























— i- ■»-> 






























1—1 CD 
































lO 


00 


-f 


CN 


CN 


• 00 


ITS 


•<* 


o 


o 


o 


in 


l« 


*— 


>> 


CM 


CO 


OS 


o 


i— i 


o 


CN 


O 


-f 


o 


I-H 


m 


CN 


© 


as 


CN 


OS 


00 


OS 


t- 


•** 


t~ 


U5 


© 


lO 


i* 


OO 


l-H 
































— TJ 


CO 


co 


CO 


a 


OS 


irt 


eo 


t— 


rH 


iO 


m 


<N 


© 


© 


o fa 


oo 




CI 




rH 




t— 


O 


CN 


iO 


in 


in 


© 


4fr 




CO 










-t 


CN 


CN 


CN 


l- 




















*& 


• 












a 
















1 














o « *: 


ic 


in 


CN 


o 


O 


o 


-* 


?— i 














|«Hs 


eo 


-r 


1- 


lO 


O 


OS 


OS 


OS 














fe- 


in 


"t. 


iO^ 


i— i 


rH 


00^ 


** 


1 


1 


1 


1 


I 


1 


M P ffl 5 


es' 


r-T 




CN 


co" 


<n" 


cT 


co" 














^ 3 _, 5 


•** 




|H 










oo 














§ « | g 


^ 




rl 










s 














H P H 






























* OS 


o 


CO 


CO 


CN 


t~ 


00 


OS 


lf5 


OS 


© 


o 


© 


-* 


00 


oo x 


to 


00 


CO 


o 


i— i 


OS 


I-H 


■»!< 


** 


I-H 




i~ 


© 


CN 


« s 


CO 


i- 


■<t 


T»« 


o 


oo 


eo 


eS 


M9 


I-H 


l« 


i- 


© 


t- 






























GO " 


00 


T* 


00 


CN 


CO 


r- 


CO* 


■* 




I-H 


in 


«- 


© 


CO 


111 r-T 
<3 CO 


CO 




CO 


CO 


I— 1 


CN 




CO 


O 


"? 


iO 


■«* 


© 


I-H 


«©■ 




T* 










CO 


CN 


** 


CN 


00 


■*"" 


I-H 


1 8 
fc ft 


































. 


>* 


-+ 


CO 


CN 


s 


fe- 


lO 


it; 


T— 1 


CO 


CO 


00 


CN 


CN 




(V 

& s 


o 


OS 


o 


OS 


m 


i— i 


CN 


OS 




© 


t- 


CO 


in 




eo 


>o 


I— 1 


oo 


°i 


°i 


OS 


t~ 


iO 


co 


CO 


©_ 


© 


© 


































CN 


t^ 


-* 


■«* 


•** 


T^ 


co 


CN 


Irt 


CO 


in 


co" 


© 


I-H 


• CD 


to 




iO 






I— 1 




o 


■t 


t- 


© 




00 


co 


H 


0^ 




I-H 










CN 


» 


I-H 


r-t 


eo 






3 


X 
















€& 














P 


H 






























H 






























































P 


I 1 


o 


O 


o 


O 


lO 


o 


CO 


!-< 


o 


© 


CO 


00 


© 


© 


jzj 


o 


o 




in 


00 


o 


00 


00 


o 


© 


CO 


© 


© 


CO 


H 


CN 


in 


OS 


CO 


in 


«o 


OS 


CO 


-<i< 


© 


© 


CN 


00 


*- 






























Ph 


0Q .M 


t~ 


CO 


t— 


o 


CO 


I-H 


OS 


■>* 


00 


-+ 


© 


CO 


CO 


t- 




O c3 


CO 


CN 


U0 


00 


eo 


CO 




t- 


o 


CO 


CO 


CN 


© 


>* 


•J 5 


CO 

€» 




CO 






T— 1 




"N 


I-H 


t- 


r-l 


fc- 






















X- 
















fc g 


































oo 

01 


iO 


o 


CN 


in 


fc- 


CN 


CN 


CO 


OS 


© 


I-H 


ea 


t- 


ce 






OS 


CO 


co 


co 


i— 1 


© 


1-- 


o 


l~ 


OO 


© 


in 


CN 






** 


. «o 


t~ 


"t. 


■* 


lO 


CO 


l« 


CO 


O0 


© 


i— 


m 


l-t 


































in 


t~ 


eo 


in" 


CO 


o 


CN 


eo 


00 


00 


-* 


-# 


CN 


CO 




s ° 

S CO 


co 




in 






I— 1 




»ra 


CO 


oo 


00 


CO 


■** 


CN 




«ft> 




i-H 










CN 
4© 


4» 




I-H 


eo 








>-, »- 






























H 


fa a> 
































+3 






























O 


o 




























































o 


CO 


CO 


I— 1 


■>* 


00 


rH 


o 


IQ 


CN 


>o 


CN 


© 


oo 


5 


© 


<5 


■*a 


co 


CO 


CO 


OS 


eo 


CN 


■<*• 


CN 


t~ 


CN 


"* 


CN 


CO 


I-H 


a 


t~ 


I— 1 


I— I 


CO 


CO 


CN 


CO 


eo 


o 


OO 


© 


i— 


CN 


© 




! 1 

CD 
































lO 


-* 


OS 




c? 


CN 


<N 


00 


OS 


© 


© 


I-H 


CO 


CO 




© 


CN 


OS 


oa 


■<* 


eo 


rl 


CO 


I-H 


00 


CO 


-* 


in 


© 




CO 




1— 






I-H 




■* 


I-H 


00 


CN 


t- 


I-H 


i-H 




«t> 














r-T 


«©■ 














CD 
































< 































85 Q 



Ph 

B 
o 


CO 

H 
H 
M 
/ 

- 

< 
oo 



a 

s 6 

< '5 

<«H O 

o> CQ 

« 2 



<i « <i 



■3 ■= <5 



< 



cu "3 

3 « 

QQ S 

a? I 

rt O 

w 



- 



-s to _w 00 

f S P « 



03 



3 


s 


;3 


S 


a 


Ph 


U 


CO 


T) 


- 


■*-> 






/ 


CO 


a 


■ 


3 


0/1 


- 


J5 
O 
cfl 


3 


CC 


CO 


is 


/ 


00 



a a to 



Ph 

c 




op 

w 

s 

■r- 

o 



o 



3 3 



-1 



« -H 

3 rt 
3 5 



<; 



D 

SB 


3 


0) 

3 

pq 










""! 


<4H 


Cl> 


rt 


B 




H 


O 


T3 
fa 




o 


•<-. 

3 



L889.] CASUALTY INSURANCE COMPANIES. 259 



4 


- 1 


c> 


a 


© 


© 


a 


S 

s 


s 


vO 


— 


— 


3 


i- 


tt 
i- 


8 


i 


t— 


l - 


























7 


>t 


-t 


-*• 


i ^ 


■e 


- 


e 




00 


i-i 


— 


cm 




o 








■<* 




ti 








I-H 


i-i 


5 


■ 


$ 


CD 

-r 


a 




pa 

3 


5 




Of 

O 






s 


© 


-* 




CO 




0) 
























>r 


7 




a 




o 


c~- 


o 


a 








£ 


c 


CM 




T 




"_T 


Tl 




ti~ 














IO 




















i-i 






























i 


1 


1 


1 


i 


~r 








































■- 




















r 








































& 


— 


- 


a 


c 


a 


r 


-t 


>e 


o 


<-. 




— 


CO 


4 


c 


7 


CO 


CI 


.. 


CO 


- 






a 


- 


r- 


C5 




- 






















t- 


■ 


on 


o 


i— 


00 




-!• 


( 


-1 




- 


•— 


t- 


-r 


cm 


71 


■a 






71 


e i 


of 












<a 

i. 


CD" 


" 


- 






— 




■- 


c 


r 


PC 






71 




i— 


Lt 


:-. 




-l 


B 


CO 


r 


l- 


rn 


71 


-r 


T. 


i- 


:: 


- 


— 


a 


-- 


ti 


— . 


a 


-r 


— 


s 


-.-. 




a 




■c 


1- 


:: 




oo 










t— 




ti 












" 


t— 


_ 


E0 


- 


r 


o 


- 


»— 


-r 


• 7 




M 


t- 


■a 


CO 


a 




■ - 




— 


71 


- 




s 


CO 


o 


■G 




'. i 






















-1- 


-1 


CC 




o 


9 


-M 


r- 


o 


O 




-1 


:: 






■- 


BC 


•M 


o> 


i- 


TH 


71 




tl 


tl 






CO 








— 


- 


71 


— 


-f 


— 


eo 


s 


_ 


— 


— 




K 


— 


tl 


-*• 


— 


— . 


-r 


i—i 


CO 


- 


-r 


X 


X 


-• 


TT 


CO 


CO 


-T 






















© 


r: 


71 


<C 


-+ 


• S 


-f 


■a 


oa 


CO 


t-H 


-. 


— 


■* 




CO 




J-. 


go 


00 


»-< 


GB 


.. 


X 


,- 


oo 


„ 


L-; 


CO 


o 


CO 


71 




-t 


— 


I~ 


CO 


o 


-I* 


t- 


o 




rH 


© 


"-T 


■^ 


r 


w 


■n 


|H 


X 


-- 


CD 


s 


:: 


r 


— 


r-. 


X 


t— 


co 


■ - 


CD 




eg 


fr- 


CO 


"* 


o 


t— 


»—i 


CM 




^~ 


a 






:: 




CO 
CO 


3 


■a 


-r 


<M 


© 


ee 


m 


cc 


1* 


tl 






O 


co 




CD 


- 


1 x 


— 


© 


|H 


fr- 


CO 


c. 


|H 


X 


00 


^ 


•-o 


t- 


— 


et 


X 


t— 


o 


:? 


|B4 


ffl 


1- 


i—i 


~ 


.t 


S3 


fr- 




tl 




1 ~- 


■- 


<N 


I-i 


0» 




tl 










33 
















m 


































c 














■— 


*^J 


_> 


t^ 






[-) 








y 










































y 


y 


y 






o 








< 


o 
X 




T. 


o 

31 






>> 










X 


X 


XI 






o 






- 





< 




< 






CJ 






■g 


~ 


y 


>> 


— 


>i 




O 

C 






°3 
O 

I 
■ 

< 

■-= 


C 
I 
X 

< 

s 

— 


d 

y 

> 


eS 

■r 


< 

'a 
o 

co 

« 


c 
ci 

s 

o 
O 

9 


"3 
o 

m 


• 


X 

5 


S 




i. 


4) 




h! 


XI 







*a 


rn 




y 

CO 


3 


>> 


< 


s 




O 




*z 


».s 


— 


X 


_^ 




p 


m 


73 


y 
s 


z 


3 




m 
> 

o 


> 
o 

3 


S 
p 




O 


ft) 



a 

e 

so 



00 

HO 

s 



CO 





Ol 


o 


CO 


o 


© 


U0 




© 








>o 


o 




© 








«» 


CM 




o 


CO. 

1-* 


co^ 

oT 


i 


CM 




1— 1 


CO 


o> 


CO 


u-5 


© 


© 


CD 




o 




-f 


o 


CO 










lO 




CM 


CO 


-r 


t- 




CO 






















n 






■^" 


CD 


© 




CO 




«» 










CM 




CO 




,_ 


o 


CM 


o 


O 


© 


© 


CO 




-t 


o 




o 


o 


O 


5 








CM 




CD 


o 


o 


CO 


© 




























CM 


CD 


U0 




IC 




^ 










1—1 




CM 




CN 


pg 


„ 


CO 


ifi 


© 


CO 


C5 




-t 




C-1 


o 


CO 


1—1 


CD 


3S 




as 


CM 


-*" 


o 


05 


t- 


-r 


CM 






















: i 






CD 


tl 


<~ 




© 




■*? 








1—1 


CO 




lO 




EC 


o 




-r 


r- 


t~ 


© 


r 








-f 


Tl 


co 


-r 


«o 


CO 




ifl 


:: 


CO 


:: 


■ T 


© 


o 


O0 






















?1 




— 


O 


X 




-> 


© 




* 






i—i 




t- 




*» 




* 




t- 


CO 


,_ 


© 


CO 


,, 




— 


1 


-+ 


i- 


-c 


t- 


SB 


I- 




>-r 




t 


CO 


01 


-• 


























-i 








-f 


ec 








&■ 








CM 


'cr 




m 






_ 


1-1 


-f 


. ~ 


X 


— 


ud 






■M 


o 


1— 1 


CO 


lC 


03 








1-1 


X 


-r 


-r 


1-^ 


■z 


© 






















~.i 




Tf 


o 


r- 


CD 


Ol 


W 




& 








i—i 


CO 




i- 
4©> 




CO 


o 


■a 


a 


o 


© 


© 


SO 






CO 




O 


CC 


•o 


-r 


t— 






CM 


t— 


CO 


Tl 


© 


-r 


t— 






















CO 






t- 


CD 


CO 




CO 




■S£ 








CM 


CO 








CO 


CO 




t— 


CO 


t— 




M 




o 


CM 




CO 


CD 


CO 










CM 


i 


l- 


as 


— 


























CS> 






co 




I— 




lO 




e& 








i—< 


CM 












































o 




_ 


o 


o 


O 








X 






co 




co 








X 






X 




m 






g 


<3 


3 


o 

CO 
09 


< 

o 
T3 


o 


< 
co 


O 

O 




z 

- 

o 


= 

CO 

xs 


2 
"3 
o 


CO 

w 


32 
CO 

< 


X 

a 

1— c 


" 


« 


cc 

cc 


e 

CS" 


y 


a 




>> 


• 


O 


<J 


«J 


J2 


<1 




<^ 


3 




oo 

fcV 

00 

o 

< 

00 

03 


-3 
a 

63 

a 


xs 

a 

> 
3 

CD 
(9 


cc 

CO 

< 

X 

O 


cc 
o 

X 


y 
< 

_y 


"3 

Cj 

-a 

a 


3 

CO 

CS 

O 

O 
c« 

« 
q-i 


1 
cc" 


<; 
S 


a: 


a3 

CO 

"3 





"3 

CS 
X 
X 




a 


CD 
CD 

a 


-1-3 

O 



— 



-r 
a 

3 

PR 



DC 



- 






» .s 

a S Z Pi 



260 



ASSESSMENT LIFE AXD 



[Dec. 31, 



(M 



- 



OS 

ss 

e 

a 

ss 

53 

<»- 

<s> 
CO 



HO 







— " 






o 


o 


— 


8 


© 


© 


—^ 


C2 

. 7 




C3 

© 


IT3 


© 


o 

© 


© 

© 


© 
© 




V 






o 




Ol 


5 


i- 


■^ 


© 




© 


- 


iO 


tO 


tO 


©_ 




o 


- 






































Q 








r 


00 




© 


00 




oo 






«* 


© 


CM 


© 


© 


©" 




a 


© 
OO 




© 


-r 




CN 


© 


CM 


l~ 






*— 


© 


t— 


CM 


fr- 


© 




> 
— 


■- 




fr- 


O 


00 


CO 


00 


-c_ 


©_ 


::_ 




4» 


00 


l~ 


00 


ee 


i-t 




3 


oo 




et? 


of 


BO 


■^ 


co" 


MS 




t-T 








I-H 








ID 


l-l 








CO 




























= 


H. 






■/.• 














<& 


















1— 1 


- 




































■ 




— 










































































CD 

M 


o 

cj 


— 






O 
O 

© 




© 

© 
© 


J 


© 
© 
© 


© 

8 


© 

5 


8 

■ 5 




© 

8 


© 
I- 


© 
© 

»o 


© 

© 
©,, 


© 
© 
©_ 


© 

8^ 


a 

ea 




































•+ 


- 


00 
CO 

oo 

1-1 




oo 


CI 


CO 


•M 


■*J! 


t- 




i- 




-+ 


oo 


t~ 


©" 


CO* 


tO 


m 


o 




OO 


CO 




© 


© 


i— i 


© 


CM 




»— 


00 


I-H 




•7 


t— 


o 




7. 




co 


CO^ 


l~ 


"T 


cc 


©_ 


cr_ 


ir^ 






b« 


iO 


tC 


tO 


i-H 


P 


= 

h- 1 


- 
- 

- 




r-" 

i— i 
■).• 


I— 1 


3 


"* 


CO 


co" 


rt 


© 




•7> 






I-H 






E-i 




- 




































H 
W 

/ 








































(0 




OS 


































P 

Ed 


CO 


CO 


OO 
00 




© 


OS 


© 


s 


»— 


l~ 


eo 


>o 




I- 


© 


-H- 


© 


tO 


© 






OO 


-!< 


1- 


© 


i - 


-i< 


© 




oo 


-f 


i— 1 


IO 


I-H 


© 


d 


C3 


rH 




CO 


o> 


I— 1 




CM 


iO 


.- 


© 






eo 


CO 


CO 


CM 


i-H 




co 






































(J 


O 


i— 1 




o 




© 


CM 


CN 


CM 




~f 


















•— 


eo 








I— 1 










-\ 
















CD 


"■3 






































CC 


i- 


= 


o 


































<J 


<y 


• — 


CO 


































X 


O 




Q 


































tc 




00 




































eo 




r 

00 




>o 


>* 


t— 


I-H 


00 


CO 


© 


00 




i— 


CO 


'O 


I-H 


r~ 


i(5 




*J 


eo 




CO 


o 


© 


CO 


1^ 


-r 


oo 


00 




ao 


© 


© 


© 


•<*< 


fr- 




rt 


u 






»o 


o 


iO 


Ol 




r~ 


© 


iO 






CM 


l-H 


t~ 


I-H 


l-H 




o 








































ed 


o 






to 


r-H 


© 


CN 


(M 


CM 




tO 


















«H 


co 








i-H 










CM 


















^3 


d 


eo 




































9 


•— 


o 




































o 




Q 








. 




























P 




— 






o 


O 


© 


© 


© 


© 


© 


© 




© 


© 


© 


© 


© 


© 




oo 






o 


O 


iO 


© 


© 


© 


© 


o 




© 


© 


iO 


© 


I— 


© 


W 




x 






o 


ut> 


t- 


© 


© 


© 


o 


t- 




© 


tO 


-#_ 


©_ 


"^ 


©_ 


15 
















































1—1 


CO 




© 


© 


-t" 


00 


eo 




■<* 


cm" 


©" 


-T 


©" 


eo" 










© 


rt< 


■>* 


CM 


l~ 


eo 


>o 


oo 




l-H 


1— 1 


© 


00 


I-H 


© 


H 










CM 


O 


■<* 


eo 


CO 


© 


© 


© 




t~ 


t- 


t~ 


t~ 


tO 


l-H 






co 




































X 










© 


CM 


© 


-* 


Tf 


© 


I-H 


-t< 




© 


00 


co 


© 


I-H 


© 


W 




o 






CO 




© 










CM 




I-H 


00 


CM 


I- 


I-H 




M 




o 






^ 














I-H 




& 












Hi 

H 

P 




- 




















«© 


















oo 






o 


O 


© 


© 


© 


© 


© 


© 




© 


tO 


© 


© 


© 


© 


g 

o 




X 






o 


O 


© 


© 


© 


© 


© 


© 




© 


1— 


tO 


© 


© 


© 




oc 






o 


o 


© 


© 


© 


© 




iO 




© 


00 


CM. 


o 


tO 


©^ 




r- 




































ft 








© 


CI 


IO 


CM 


© 


© 




OO*" 




-* 


© 


co" 


© 


CM 


fr-^" 












00 


t— 


I— I 


© 


t— 


© 


© 


I-H 




© 


CM 


I-H 


© 


fr- 


© 










t- 


CD 


T— 1 


"* 


eo 


i— 


CO 


iO 




iO 


I-H 


l-H 


© 


-» 


I-H 




OQ 




































5 
oo 

i-i 










if 


r-l 


eo 


<«n 


■* 


t- 


r-i 


t-^" 




© 


© 


© 






© 




eo 








iO 










© 




^ 


t- 


CM 


© 


T-{ 






eo 






■9^ 














I-H 


















fl 




















<& 




















0) 


^ 






3 


o> 


© 


co 


eo 


CM 


CO 


© 




t- 


i-H 


i—i 


tO 


00 


CO 




t> 








lO 


© 


© 


T» 


CM 


-r 


-* 




•o 


© 


I-H 


t- 


i-H 


© 






CO 


© 

00 




CO 


ds 


© 


I-I 


■<# 


t~ 


iO 


00 




eo^ 


• t-^ 


© 


t- 


CO 


?-H_ 




o 


£} 




,_( 


i-i 


i— i 


<M 


CM 


CM 




cm" 




>o" 


co 


©" 


G) 


■<l" 


CO* 




a 
i— ( 


s 

p 


00 

I— 1 




rH 




Ci 










-* 






eo 




CM 






-a 








© 


»o 


TJ< 


t— 


CM 


CM 


eo 


© 




© 


i* 


r~ 


© 


© 


© 










Oi 


© 


© 


CM 


CM 


CO 


© 


CO 




© 


© 


00 


© 


-1< 


-+ 


CD 


0Q 


a 


©' 




CO 


co 


CO 


I-H 


I-H 


© 


i-H 


I-H 




■^ 


© 


"* 


© 


CO 


CO^ 


g 

O 


a! 

- 


00 
00 

I-I 




r-4 




of 










iO 






CM 


i-T 


cm" 


I— 1 


CM 


l-H 














































00 


iO 


t- 


© 


© 


© 


© 


© 




© 


00 


© 


-t< 


■^1 


<M 


H 


T5 








OI 


lO 


CM 


iO> 


■<* 


i-H 


CM 


© 




© 


tO 


oo 


CM 


I-H 


tO 


B 
g 
6 


CO 




oi 
oo 

CO 

I— 1 




1~ 


CO 


°i. 




rH 


eo 




00 




© 


© 


©_ 


eo 


©. 


tO 


3 
ao 
■/. 


3 




r-T 




tr^ 










©" 

I-H 






t-^ 


eo" 


00 


r-T 


of 




•— I 






































O 


„ 






CN 


© 


co 


r-l 


© 


00 


© 


© 




t~- 


t— 


oo 


t- 


CO 


t~ 




o 








i— I 


© 


CO 


CO 


i— I 


eo 


00 






© 


© 


l-H 


tO 


tO 


© 




h 


CO 


CO 




O 


© 


r-i 


CM 


•«* 


© 


© 


I-H 




t- 


© 


© 


eo 


t~ 


I-H 




O 

c 

H 








































6 

CO 

P 


oo 






1— 1 


© 


CM 


CM 


eo 




fr- 




-t 


© 


© 


•* 


CO 


© 




oo 
I-I 




T-l 




i— i 










ee 






CM 




CM 






















„ 


. 














. 


. 




# 


















□ 

.2 


















6 
O 
















. 


. 




rt 




. 


. 






. 


c~ 




CO 


. 


. 




(H 






CD 

w 

H 


a 
.2 






'3 
o 

00 


CO 


c 


a 

o 




05 




.2 
.2 


a 


o 

3 

rt 








525 
-< 
Plj 

o 

Q 






H 
Ph 

H 
o 
O 

CO 
H 
H 
M 


.2 
"3 

o 

oo 
m 

<{ 

a 


a 
.2 

.2 
'3 


"■3 

.2 
'3 
o 

« 

ao 

< 
cfl 

CO 

a 


00 

< 

o 

"3 

n 

3 


'3 
o 
CQ 

H 


.2 

.2 
'3 
o 

. oo 

00 

< 

«J-I 
CO 


.2 
'3 
o 

00 
00 

<1 

•-> 

tfl 

CO 

a 
9 




5 

8 

O 

O' 

w 

H 


c 

.2 

•S 

.2 
'3 
o 


'3 
o 

00 
00 

< 

tC 
CO 

a 

CO 

p 


o 

'co 
o 
ao 

00 

< 

eo 


3 
ao 

a 

l-H 
>. 

3 

a 

3 

< 


3 

.2 

.2 

"3 
o 

oo 
oo 

< 


3* 

.2 

.2 
'3 
o 

CO 

00 




O 






CO 

P 
1 




o 

OD 
00 

<4-l 


CO 

n 





"5 


*3 




H 
CQ 


00 
00 

. < 


rt 

3 


"rt 


T3 
P 
rt 


eo 

E 




^ 






< 


a 
o 


ao 


o 

00 


/ 


a 


"3 




w 


co 


3 


3 


CO 
U-l 


c3 


eo 
oo 




-i 






1 

CD 


- 


9 


CO 

ao 


CO 


3 
3 

3 


aT 


3 
H 
O 


13 


a 


3 


2 


CO 

3 


co 

P 




fc 






a 


2 

7. 


"3 
a> 


9 

rt 


rt 
3 


3 
— 
a 


c 


rt 


"an 
C 

CO 


*-> 

3 

rt 

3 


73 
M 
O 


00 

p 

eo 


T3 

a 

rt 












>. 


s 


ao 
ao 


00 

oo 


oo 

oo 


ft 


5 


H 




a 


CO 

> 


"3 

T3 


*-> 


a 


eo 














o 


■ 


■ 


as 


CO 


— 






rt 


o 


a 


o 


!t2 












H 


P 


a 


P3 


a 


to 


^ 






« 


O 


s 


P 


p 


P 



1889.] CASUALTY INSURANCE COMPANIES. 261 





£ 


a 

9 


s 


© 
8 


3 


© 
© 


8 


o 

■M 








2 


iS 


© 


© 


o 




us 
























9 




CO 


<M 


CO 


CO 


t- 


-M 


3 




• i 




CO 


CO 


CO 


CM 


-t" 


^ 






o 




8 


CO 




CO 


© 


























t~ 




t-H 








CO 


CO 
CO 




O 


o 


— 


© 


© 




© 


© 


© 




i 


o 


© 




© 




© 


HO 


iO 


1 


»n 


© 


t<0 


© 


1 


© 


I- 


-1 
























8 




© 


CO 


b- 




m 


CD 


-c 




a 


-!• 




-r 




© 


1- 


s 






a 




DC 


CO 






© 


























t- 




t-h 








T-H 


co 

CO 




co 


CO 


>o 


CO 


© 


t 


■a 


CM 


I- 


f 


•^f 


a 


CM 


s 


9 


i— i 


•^ 


© 


s 






CO 




CO 


CM 


(M 


T-H 


© 


























•— i 












\a 


§ 




h- 


© 


at 


© 


CO 




© 


T-H 


s 


1 


o 


© 


cm 


1 


CM 


1 


CM 


CO 






^ 




CM 






© 


CO 


























T-l 












-t 


8 


g 


© 


© 


© 


© 


© 


© 


© 


CO 


CO 


- 


•35 


3 


© 


© 


© 


© 


© 


I-H 


CO 


o 


CO 


CM 


t— 


HO 


© 


O 


© 


CO 


CO 






















9 


co 


CO 


!C 


.* 


© 


ift 


0' 




iO 


-r 


CO 


i<0 


© 


>o 


© 


-r 


a 

c^ 


CO 




<m 


CO 


m 


© 


■a 


00 


CO 


rf 


.- 






















01 


-1 




1* 


>rt 


t~ 


iO 


r 


© 


CO 


1-H 


r-t 


CO 




•■* 






CN 


s 


CO 






T-l 




T-H 








t- 


















^ 




a 


© 


o 


© 


© 


© 


© 


© 


• ■: 


'- 


o 


o 


uO 


© 


© 


© 


© 


© 


i~ 


t- 


a 


CM 


CO 


s 


I- 


iO 


© 


© 


























>~ 


CO 


CM 


CO 


(X> 




T*l 


© 


CO 


t- 




CO 


o 




-f 


CO 


T-H 


CO 


-# 


CO 


i-i 


CM 


© 


CO 


(M 


CM 


CO 


CO 


iO 


- 






















-M 


CM 


CO 


CM 




t- 


>o 


EC 


5 


Ol 


I-H 


CM 


s 




CO 






CM 


I- 






T-1 




T-H 








iO 


CO 


on 


3 


iO 


CM 


© 


co 


CO 


CM 


C-l 


CM 


"* 




CO 


s 


© 


© 


© 


CD 


© 


-*r 


l~ 


CM 


CO 


© 


o 


© 


ira 


© 


© 






















m 


CO 


CO 


CO 


CO 

uo 


co 


CM 


uo 


CM 


© 

CM 


o 


M 


„ 


«0 


CO 


•f» 


co 


© 


sc 


CM 




:: 


a 


o 


CM 


vO 


T-H 


CO 


t— 


T-H 


1-H 


© 


Tt 




lfl> 


ia 


<M 


CM 


© 


























CM 


CO 


T-H 


-* 






T-H 


CO 
CM 


-f 

CO 


O 


O 


CO 


.- 


t— 


-rf 


© 


t- 


© 


© 


m 


CO 






CM 


CO 


© 


-* 


CM 


CO 


i-i 


iO 


© 


© 


ifi 


CO 


>fl> 


Tf 


CO 


T-H 


























CM 


CO 


© 






T-H 


CO 


3 










T-H 








iro 


CO 


CM 


CO 


CM 


T-H 


>* 


t- 


*a 


CD 


■a 


01 


CO 


© 


iO 


-* 


CM 


© 


t~ 


© 


CM 


^f 


i— 1 


CO 


1— 


© 


T* 


t- 


CO 


t- 


CO 


Ol 


CD 


b- 
-P 


T-H 


I— 


co 


i— i 


iO 


CM 

© 

T-H 


© 

CM 

CM 




- 


3 

o 


a 
o 


- 






OD 








CJ 


<-> 


o 






,_" 








F* 




cS 
















CD 

s 


2 


CJ 

o 


.2 
'3 






«<-i 

o 






m 


«i 


o 

X 

co 
< 
o 

«-H 


tO 


o 

r. 


• 


• 


— 




• 


.2 

«9 

*3 

a 

X 
X 

< 


o 

"o 
in 


>> 


0C 

< 

< 


a 


• 


CJ 

'o 
o 
OQ 




• 










P< 










<1 

CD 

«*H 


•d 


a 

CJ 
CD 


3 
O 


g 
o 
O 


01 

"S 


■1-3 








o 

a 




CD 

> 


CJ 

3 


cd 

<*H 
3 


o 


3 
o 




to 

*c3 


pq 


<s> 

c 


£> 


3 


Sh 

cd 


>s 


<\ 


3 




-u 





09 


0) 




0> 




P 


to 


-d 


cS 
cj 

- 


"3 
3 


w 

Is 

3 

3 


"3 

3 


o 


cS 

> 

o 

o 


3 

CD 
O 


3 
cu 

X 

01 


O 

H 


3 

a 



& 

a 
§ 

CV5 
h»s 

e 
s 

CO 

HO 







© 


© 


© 


© 


\n 


© 


uO 






© 


© 


© 


© 


t— 


© 


t~ 




1 


CM 


T-H 


iO 


© 


CO 


00 


© 
























Z 


^ 


CM 


© 


«o 


I-H 


1- 






CO 


© 


I— 


© 


© 






<fr 




CO 


M 

T-H 




T-l 




© 

©" 
CO 
•7> 






© 




© 


© 


X0 




•o 






© 




© 


•O 


t— 




CM 




1 


-* 


1 


© 


t- 


00 


1 


© 
























CO 




© 


CM 


00 




I- 






•# 






CO 


00 




r— 






& 




I-H 

CO 


CO_ 

co" 


CO 
CM 

T-l 




•re 
©"* 

CM 




T-H 


T-H 


CO 


© 


CM 


ifO 


00 


■* 




t- 


t- 


CO 


CD 




© 


T-H 


CO 




CO 


CM 


T-H 


©^ 

T-l 


©_ 

co" 


CO 


CM 


10 

CO 




CM 


ri 




© 


-t 


© 




CO 




CO 


CO 


1 


CO 


■- 


© 


1 


CO 




iO 


CM 




© 


co" 


CM_ 

co" 




CO 

co" 






© 


© 


© 


© 


© 


© 


© 






© 


© 


U3 




tfO 


© 


iQ 




1 


CM 


T-H 


CM 


© 


t~ 


CO 


T-H 






2 




t- 


T-H 


CO 


T-H 


I— 








© 


CO 


© 


© 


CO 






•/• 




© 
CO 


©_ 
-*" 

r-< 


00 

©" 
co 




00* 






© 




© 


© 


U5 




iC 






© 




© 


'" 


CM 




t- 




1 


-*< 


1 





O 


CO 


1 


© 
























CO 






O 


t~ 










-r 






iO 


© 




© 






& 




CO 


CO 

IO 

I-H 


I— 

CM 






CO" 




CO 


T-H 


CO 


I— 


U0 


CO 


CO 


© 




CO 


t- 


CO 






-f 




© 




CO 


CM 


T-H 


CM 

T-H 


CO 
CO 


co^ 


<N 


°3. 

CO 
T-H 




© 


T-H 


\R 


© 


-t 


IO 


© 


iC5 




CO 


T-H 


t- 


T-H 


© 


CO 


T-H 


© 




CM 






CO 


of 


CO 
CO" 


T-H 


©" 

T-l 




>n 


© 


CO 


T— 


HO 


-* 


CO 


CO 




© 


O 


T-H 


-M 


© 


CO 


CM 







T-H 




-M 


©^ 


CD 

T-H 


t^ 1 


CO 


© 

T-H 
T-H 




CO 


CM 




O 


-f 


-* 




© 




"* 


CO 




© 


© 


-* 




CM 




o 


CM 


1 


©_ 


<© 

CO" 


CO* 


1 


CO 

of 

T-H 






















3" 




O 


3 





3 


O 

n 











c3 


O 







CD 




CO 
M 


ID 

< 


3 
O 


O 
O 

<o 


cc 
< 

4-J 


CJ 



to 
to 


to 

<! 


O 
3 
CS 
Sh 




< 

o 
O 

en 

B 

CD 

w 

o 

OQ 

CO 

<1 


3 

CD 

'3 

< 


.2 
"3 


to 

to 

< 


< 

CJ 
CJ 

3 
C3 


3 
0> 

O 
<1 


< 

•4-3 

3 

4) 

"3 


3 
o> 

*CJ 
CJ 

<5 


3 
to 
3 
HI 

2 




3 

c3 

^3 

"cl 
V 

w 



lH 

IO 

M 
u 

pq 


T3 
3 

0) 

> 

(h 

CD 

to 

CD 


to 
to 

< 

>> 

3 
to 

es 
O 


cS 
3 

s 

to 
+i 

o> 
to 

3 


a 

3 
3 

01 


"is 
3 

3 

3 
c3 

CJ) 


3 

to 

c3 
O 

3 

CS 



«fH 

hH- 


IO 


^ 


C! 
to 

h3 


t3 
3 

CS 

.8 

3 


CJ 
Cj 

to 

X 
CS 

a 


4-3 

3 
« 
CJ 

3 


3 

CD 

[25 


CD 
CD 

3 
O 


-»3 





FRATERNAL BENEFICIARY ASSOCIATIONS. 



FROM THEIR ANNUAL RETURNS, DEC. 31, 1889. 



SUMMARY OF STATEMENTS RECEIVED. 



"SUPREME COUNCIL AMKKICAN LEGION OF HONOR," BOSTON. 

[Incorporated March 11, 1S79. Commenced business Dec. 17, 1878.] 

ENOCH s. BROWN, President. Adam Warnock, Secretary. 

Office, 20 Beacon Street. 

Income during 1889. 

For membership fees, $9,280 00 

annual dues, 16,275 82 

mortuary assessments, 2,495,454 47 

interest 18,750 66 

miscellaneous, 22,730 02 



Total income, $2,562,490 97 

Balance on hand Dec. 81, 1888, 270,951 86 



Total, $2,833,442 83 

Disbursements during 1889. 

For losses and claims (763 deaths), . . . $2,186,500 00 

losses and claims (sickness), . . . 60,435 91 

salaries of officers and employees, . . 20,464 00 

rent, taxes and printing, .... 11,273 71 

miscellaneous, . . . . • . . 21,885 82 
Total disbursements, 



Balance, 



2,300,559 44 
$532,883 39 



Net or Invested Assets. 
Cash in bank, $532,883 39 

Liabilities. 

Losses adjusted, due and unpaid, . . . $55,000 00 
Borrowed money, §5,000 ; interest accrued on 

same, $86.86, 5,086 86 

All other (?ionncrudmg contingent mortuary), 1,176 06 

Total actual liabilities, .... 61,262 92 



Balance, net assets, $471,620 47 



2(30 



FRATERNAL BENEFICIARY [Dec. 31, 



Contingent Mortuary Assets (or Resources). 

Mortuary assessments, called and not vet due, $242,486 14 
Mortuary assessments, due and unpaid, . . 1,799 97 

Total due from members, . . . §244,286 11 



Total Business of 1889 



Policies in force at beginning of year, 
Policies written during 1889, . 

Total, 

Policies ceased during 1889, 

Policies in force Dec. 31, 1889, . 

Losses and claims incurred during 1889, 
Losses and claims paid during 1889, 

Losses and claims unpaid Dec. 31, 1889, 



Number. Amount. 

62,276 $183,751,500 00 
4,836 8,194,000 00 



67,112 $191,945,500 00 
4,655 15,761,000 00 


62,457 

783 
763 


$176,184,500 00 

$2,241,500 00 
2,186,500 00 


20 


$55,000 00 



Business in Massachusetts during 1889. 

Number. Amount. 

5,637 $16,500,500 00 



Policies in force at beginning of year, 
Policies written during 1889, 

Total, 
Policies ceased during 1889, 

Policies in force Dec. 31, 1889, 



Losses and claims incurred dur 



ing 1889, 



Losses and claims paid during 1889, 
Losses and claims unpaid Dec. 31, 1889, 



219 



417,500 00 



5,856 $46,918,000 00 
477 1,478,000 00 



5,379 $15,440,000 00 



55 
54 



$141,500 00 
141,000 00 

$500 00 



"GRAND LODGE OF THE ANCIENT ORDER OF UNITED 
WORKMEN OF MASSACHUSETTS," BOSTON. 

[Incorporated Feb. 9, 1883. Commenced business Feb. 25, 1879.] 

Charles E. Spencer, President. Hugh Doherty, Secretary. 

Office, 120 Tremont Street. 

Income during 1889. 
For benefit certificates, 

annual dues (per capita tax), 



mortuary assessments, 
miscellaneous, 

Total income, . 
Balance <>n hand Dec. 31, 1888, 

Total, . 



$2,922 50 
13,566 75 
183,083 00 
71 1 62 



$200,316 87 
6,569 85 



8206,886 72 



1889.] 



ASSOCIATIONS. 



267 



Disbursements diking 1889. 

For losses and claims (84 deaths), . . . $168,000 00 

supreme lodge relief call, . . . • 6,456 00 

salaries of officers and employees, . . 6,704 04 

miscellaneous, 11,942 20 

Total disbursements, 



Balance, 



Net <>k Invested Assets. 

( lash in hands of trust* 

1 9b in bank, 

Total net or invested assets 



§193,102 24 



§13,784 48 



12,500 00 

11,284 48 

$13,784 48 



Liabilities. 
I. as - adjusted, due and unpaid (4), 

Balance, net assets, .... 

Total Business of 1889 



Policies in force at beginning of year. 
Policies written during 1889, . 

Total 

Policies ceased during 1889, 

Policies in force Dec. 31, 1889, . 

3es and claims unpaid Dec. 31, 1888, 
Losses and claims incurred during 1889, 

Total, 

Losses and claims paid during 1889, 

Losses and claims unpaid Dec. 31, 1889, 



8,000 00 
§5,784 48 



Number. Amount. 

14,18 '0 00 

2,668 5,836,000 00 



" »8 £33,596,000 00 
2."-") 510,000 00 



16,543 $33,086,000 00 



6 

82 



88 
84 



£ 12,000 00 
164,000 00 

6176,000 00 
168,000 00 

|8,000 00 



Business in Massachusetts duklng 1889. 



Policies iu force at beginning of year, 
Policies written during 1889, 

Total, 

Policies ceased during 1889, 

Policies in force Dec. 31, 1889, . 

Losses and claims unpaid Dec. 31, 1888, 
Losses and claims incurred during 1889, 

Total, 

Losses and claims paid during 1889, 



Number. 

. 7,452 
. 1,320 


Amount. 

f 14,904,000 
2,640,000 


00 
00 


. 8,772 
132 


$17,544,000 

264,000 


00 
00 


. 8,640 

6 
35 


617,280,000 

812,000 
70,000 


00 

00 
00 


41 

41 


|82,000 00 

82,000 00 



268 



FRATERNAL BENEFICIARY [Dec. 31, 



"SUPREME UNION OF THE EQUITABLE AID UNION," 

COLUMBUS, PA. 

[Incorporated March 22, 1S79. Commenced business April 25, 1879.] 

R N. Ska v l.i l President. W. E. Marsh, Secretary. 

Income during 1889. 

For annual dues, $18,635 40 

mortuary assessments, 462,536 45 

medical examiner's fees paid by applicant, . . . 568 40 

miscellaneous, 5,320 40 



Total income, $ 487, 060 65 

Balance on hand Dec. 31, 1888, 24,247 40 



Total, $511,308 05 

Disbursements during 1889. 
For losses and claims, $469,025 89 



returned to grand unions, . 
salaries of officers and employees, 
miscellaneous, .... 
Total disbursements, 



Balance, 
Cash in bank, 



4,524 44 

13,248 07 

6,284 59 



Net or Invested Assets. 



Liabilities. 

Losses adjusted, due and unpaid, 
Total actual liabilities, . 

Balance, net assets, 



$5,650 00 



493,082 99 
$18,225 06 

$18,225 06 

5,650 00 
$12,575 06 



Contingent Mortuary Assets (or Resources). 

Mortuary assessments, called and not yet due, $49,191 70 
Mortuary assessments, not yet called, . . 54,004 72 

Total due from members, . . . . $103,196 42 



Contingent Mortuary Liabilities. 
Losses adjusted, not yet due (number of claims, 107), . 



$122,915 53 



Total Business oj 

Policies in force at beginning of year, 
Policies written during 1889, . 

Total, 

Policies ceased during L889, . 

Policies in force Dec. 31, 1889, 



1889. 



Number. Amount. 

22,698 $40,036,457 00 
6,533 11,045,298 00 



29,226 $51,081,755 00 
2,154 4,899,940 00 



27,072 $46,181,815 00 



L889.] 



ASSOCIATIONS, 



269 



Losses and claims unpaid ])(>('. 81, 1888, 
Losses and claims incurred during- 1889, 

Total, 

Losses and claims paid during 1889, 

Losses and claims unpaid Dec. 81, 1889, 



Number. , Amount. 

60 $103,196 00 
276 488,715 00 



336 $591,941 00 
229 469,025 00 



107 $122,916 00 



Business i\ Massachusetts during 1889. 



Policies in force at beginning of year, 

Policies written during 1889, . 

Total, .... 
Policies ceased during 1889, . 

Policies in force Dec. 31, 1889, 

Losses and claims incurred during 1889 
Losses and claims paid during 1889, 



Number. Amount. 

861 $1,534,677 00 
486 851,707 00 



1,347 $2,386,384 00 
283 551,850 00 



1,064 $1,834,534 00 

8 $13,495 00 
8 13,495 00 



"SUPREME COUNCIL OF THE HOME CIRCLE," BOSTON. 

[Incorporated Jan. 13, 1S80. Commenced business Nov. 5, 1879.] 

Mrs. Adella I. Cummings, President. Julius M. Swain, Secretary. 

Office, 5 Pemberton Square. 



Income during 1889. 
For annual clues (per capita tax), . 

assessments, 

interest and fines, .... 
benefit certificates and sale of supplies, 

Total income, 

Balance on hand Dec. 31, 1889, 



Total, 



$4,298 30 

119,032 04 

350 95 

1,448 99 

$125,130 28 
5,943 22 



$131,073 50 



Disbursements during 1889. 

For losses and claims (50 deaths), . . . $119,000 00 

salaries of officers and employees, . . 3,417 00 

medical examiner's fees, .... 1,051-60 

miscellaneous, 1,196 27 

Total disbursements, 

Balance, 



124,664 87 
$6,408 63 



270 



( lash in office, 



FRATERNAL BEXEFICIARY [Dec. 31, 

Net or Invested Assets. 



$6,408 63 



Non-invested Assets. 

Supplies on hand, $764 00 

Per capita tax due, 2,187 00 

Ledger accounts, 693 00 

Total non-invested assets, .... 

Gross assets, 



3,644 00 



$10,052 63 



Contingent Mortuary Assets (or Resources). 
Mortuary assessments, called and not yet due, . . . $8,000 00 



Total Business of 1889. 



Policies in force at beginning of year, 
Policies written during 1889, . 

Total, 

Policies ceased during 1889, 

Policies in force Dec. 31, 1889, . 

Losses and claims unpaid Dec. 31, 1888, 
Losses and claims incurred during 1889, 

Total, 

Losses and claims paid during 1889, 



Number. Amount. 

5,395 $13,436,500 00 
673 1,377,000 00 



6,068 $14,813,500 00 
347 751,500 00 



5,721 $14,062,000 00 

6 §11,000 00 
44 108,000 00 



50 $119,000 00 
50 119,000 00 



Business in Massachusetts during 1889. 

Number. Amount. 

2,609 $6,234,500 00 

225 440,500 00 



Policies in force at beginning of year, 
Policies written during 1889, . 



Total, 

Policies ceased during 1889, 

Policies in force Dec. 31, 1889, . 

Losses and claims unpaid Dec. 31, 1888, 
Losses ••iiid claims incurred during 1889, 



Total, 

Losses and claims paid during 1889, 



2,834 $6,675,000 00 
17o 828,000 00 



2,664 


$6,352,000 


00 


4 


$5,500 00 


24 


52,500 


00 


28 


$58,000 


00 


28 


58,000 00 



1889.] ASSOCIATIONS. 271 



SUPREME LODGE KNIGHTS AND LADIES OF HONOR," 
INDIANAPOLIS, IND. 

[Incorporated April 5, 1878. Commenced business Sept. 19, 1878.] 

J. T. Milburne, President. C. W. Harvey, Secretary. 

Income during 1889. 

For membership fees, . . . ... . . . $10,728 50 

annual dues (per capita tax), 19,314 17 

assessments, 729,439 15 

medical examiner's fees paid by applicant, . . . 7,242 00 

miscellaneous, 5,336 92 



Total income, $772,060 74 

Balance on hand Dec. 31, 1888, 21,349 67 



Total, $793,410 41 

Disbursements during 1889. 

For losses and claims (656 deaths),. . . §7:55,000 00 

salaries of officers and employees, . . 11,964 48 

medical examiner's fees, .... 7,242 00 

miscellaneous, 19,761 73 

Total disbursements, 



Balance, 



773,968 21 

819,442 20 



Net or Invested Assets. 

Cash in office, f 14,921 20 

Supplies on hand, 4,500 00 

( ash in court, 21 00 



Total net or invested assets, $19,442 20 

Non-invested Assets. 
Due from deputies and grand lodges, . . $2,035 51 

Per capita tax due Dec. 31, 1889, . . . 8,983 00 

Total non-invested assets, . . . 11,018 51 



Gross assets, f30,460 71 

Liabilities. 

Losses adjusted, due and unpaid, . . . $21,000 0Q 
All other (not including contingent mortuary), 2,006 13 

Total actual liabilities, .... 23,006 13 



Balance, net assets, $7,454 58 



■J 72 



FRATERNAL BENEFICIARY [Dec. 31, 



( ONTTNGENT MORTUARY ASSETS (OB RESOURCES)* 
Mortuary assessments, called and not yet due, . . . ,416 15 



•ntingent Mortuary Liabilities. 

Losses adjusted, not vet due (number of 

claims, 37), ■;,000 00 

Losses in process of adjustment (number of 

claims, 19), 23,000 00 

Total contingent mortuary liabilities, . 



$69,000 00 



T«.tal Business of 1 



Policies in force at beginning of Year, 
Policies written during 1889, . 

Total, 

Policies - I during 1889, 

Policies in force Dec. 31, 1889, . 

Losses and claims unpaid Dec. 31, 1888, 
Losses and claims incurred during 1889, 

Total, 

Losses and claims paid during 1889, 

Losses and claims unpaid Dec. 31, 1889, . 



Number. Amount. 

47.793 |67,451,000 00 

7.242 9,181,000 00 



55,035 |66,632,000 00 
2,055 2,381,500 00 



52,980 §64,250,500 00 

69 |101,000 00 

658 724,000 00 


727 
656 


$825,000 00 
735,000 00 


71 


| i,000 00 



Business in Massachusetts during 1889. 

Policies in force at begrimiing 1 f rear, 
Policies written during 1889, . 

Total, 

Policies ceased during 1889, 

Policies in force Dec. 31, 1889, . 

and claims unpaid Dec. 31, 1888, 
and claims incurred during 1889, 

al 

and claims paid during 1889, 

Losses and claims unpaid Dec. 31, 1> 



Number. 

2.332 
70 


Amount. 

•2,561,000 00 

98,000 00 


2,402 
161 


$2,659,000 00 
167,500 00 


:.241 

2 
20 


$2,491,500 00 

$2,000 00 
23,000 00 


22 
15 


"»,000 00 
15,000 00 


7 


$10,000 00 



L889.] 



ASSOCIATIONS. 



273 



"SUPREME LODGE KNIGHTS OF HONOR;' ST. LOUIS, MO. 

[Incorporated Jan. 1, 1S74. Commenced business Jan. 1, 1874.] 

A. R. Savage, President. B. F. Nelson, Secretary. 



[ncome during 1889. 

For membership fees (benefit certificates), 
annual dues (per capita tax), . 
mortuary assessments, 
miscellaneous, .... 



Total income, . 
Balance on hand Dec. 31, 1888, 



Total, 



§18,645 05 

32,433 98 

3,415,554 79 

9,372 44 

f3,476,006 26 
27,171 31 

$3,503,177 57 



Disbursements or king 1889. 



For losses and claims (1,743 deaths), 

salaries of officers and employees, . 
mileage and per diem, supreme lodge, 

interest, 

miscellaneous, 

Total disbursements, 



Balance, 



18,421,083 22 

20,343 00 

11,089 90 

1,907 98 

24,164 93 



3,478,539 03 
$24,638 54 



Cash in office, 
Cash in bank, 



Net or Invested Assets. 



Total net or invested assets, . 



f 668 80 
23,969 74 

$24,638 54 



Non-invested Assets. 

Due from grand lodges, $1,672 63 

subordinate lodges, .... 11 85 

other sources, 4,498 46 

Supplies and office fixtures, . ... . 8,186 59 
Total non-invested assets, 



Gross assets, 



14,369 53 



§39,008 07 



Liabilities. 

Due grand and subordinate lodges, . 
Total actual liabilities, . 

Balance, net assets, 



$4 92 



4 92 



$39,003 15 



274 



FRATERNAL BENEFICIARY [Dec. 3 1 , 



Contingent Mortuary Assets (or Resources). 
Mortuary assessments, called and not vet due, $275,645 22 
Mortuary assessments, due and unpaid, . . 4,020 68 

Total due from members, . . . $279,665 90 



Contingent Mortuary Liabilities. 
Losses in process of adjustment (number of claims, 121), . $236,000 00 



Total Business of 1889. 



Policies in force at beginning of year, 
Polieies written during 1889, . . . 

Total, 

Policies ceased during 1889, 

Policies in force Dec. 31, 1889, . 

Losses and claims unpaid Dec. 31, 1888, 
Losses and claims incurred during 1889, 

Total, 

Losses and claims paid during 1889, 

Losses and claims unpaid Dec. 31, 1889, . 



Number. 

. 125,417 
. 12,552 


Amount. 

$245,601,000 00 
21,981,000 00 


. 137,969 $267,582,000 00 
. 6,216 11,537,000 00 


.131,753 

124 
. 1,740 


£256,045,000 00 

$242,500 00 
3,414,533 00 


. 1,864 
. 1,743 


$3,657,033 00 
3,421,033 00 


121 


$236,000 00 



Business in Massachusetts during 1889. 



Policies in force at beginning of year, 
Policies written during 1889, . 

Total, 

Policies ceased during 1889, 

Policies in force Dec. 31, 1889, . 

Losses and claims unpaid Dec. 81, 1888, 
Losses and claims incurred during 1889, 

Total, 

Losses and claims paid during 1889, 

Losses and claim a unpaid Dec 81, 1889, . 



Number. 

. 10,311 
475 


Amount. 

$20,335,000 00 
817,500 00 


. 10,786 
. • . . 530 


$21,152,500 00 
1,045,000 00 


. 10,256 

7 
104 


$20,107,500 U0 

$14,000 00 
203,000 00 


111 

89 


$217,000 00 
173,000 00 



22 1 1 1,000 00 



1889.] 



ASSOCIATIONS. 



275 



• MASONS' FRATERNAL ACCIDENT ASSOCIATION OF AMERICA, 11 

WESTFIELD. 

[Incorporated Aug. 15, 1887. Commenced business Oct. 1, 1887.] 

William Froyin, President. James A. Lakin, Secretary. 

Income during 1889. 



For membership fees, 
annual dues, 
mortuary assessments, 
miscellaneous, . 

Total income, 
Balance on hand Dec. 81, 1888, 

Total, . 



$33,125 00 

16,064 02 

33,286 00 

2,459 97 

$84,934 99 
6,010 78 

$90,945 77 



Disbursements during 1889. 

For Losses and claims (4 deaths), . . . $5,676 00 

losses and claims (347 casualties), . . 22,006 52 

salaries and commissions to agents, . . 34,984 23 

salaries of officers and employees, . . 8,999 52 

medical examiner's fees, .... 48 00 

miscellaneous, 6,136 10 

Total disbursements, .... 



77,850 37 



Balance, 



$13,095 40 



Net or Invested Assets. 



Cash in office, 
Cash in bank, 



Total net or invested assets, . 



$369 44 
12,725 96 

$13,095 40 



Non-invested Assets. 



Agents 1 ledger balances, 



109 88 



Gross assets, $13,205 28 



Advance assessments, 
Commissions, 

Total notnnl liaViilitip<j 


Liabilities. 


$936 00 
488 78 


1,424 78 






Balance, net assets, 


$11,780 50 



276 



FRATERNAL BENEFICIARY 

Total Business of 1889. 



[Dec. 31, 



Policies in force at beginning of year, 
Policies written during 1 1889, 

Total 

Policies ceased during 1889, . 

Policies in force Dec. 31, 1889, 

Losses and claims unpaid Dec. 31, 1888, 
Losses and claims incurred during- 1889, 



Number. Amount. 

3,497 $14,441,375 00 
C,C75 28,368,750 00 



10,172 $42,813,125 00 
3,166 13,037,625 00 



7,006 $29,775,500 00 



Total, 

Losses and claims paid during 1889, 



Business in Massachusetts during 1889. 



Policies in force at beginning of year, . 
Policies written during 1889, 



26 i 
325 ' 


$27,682 52 


351 


$27,682 52 


351 


27,682 52 


i 1889. 




Number. 


Amount. 


1,747 


$7,424,750 00 


1,166 


4,955,500 00 



Total 

Policies ceased during 1889, . 

Policies in force Dec. 31, 1889, 

Losses and claims incurred during 1889, 
Losses and claims paid during 1889, 



2,913 $12,380,250 00 
648 2,754,000 00 



2,265 $9,626,250 00 

57 $3,305 00 

57 3,305 00 



" NEW ENGLAND COMMERCIAL TRAVELLERS 1 ASSOCIATION," 

BOSTON. 

[Incorporated Oct. 15, 1877. Commenced business Oct. 15, 1887.] 

Epiiraim Stearns, President. Walter P. Tilton, Secretary. 

Office, 32 Hawley Street. 

Income during 1889. 



For membership fees 
annual dues, 
assessments, 
interest, 
miscellaneous, 

Total income, 
Balance on hand Dec 

Total, 



31, 1888, 



$355 00 

3,349 00 

40,224 00 

144 53 

676 12 

$44,748 65 

19,836 92 

$64,585 57 



1889.] 



ASSOCIATIONS. 



277 



Disbursements during 1889. 

For losses and claims (13 deaths), . . . $39,000 00 

salaries of officers and employees, . . 1,725 00 

medical examiner's foes, .... 11 50 

miscellaneous, 836 04 

Total disbursements, .... 



$41,572 54 



Balance, $23,013 03 



Net or Invested Assets. 

Cost value of bonds owned, 

Cash deposits on emergency or reserve fund account, 
( lash in bank, 



Total net or invested assets, . 



$15,821 25 
2,701 42 
4,490 36 

$23,013 03 



Total Business of 1889. 



Policies in force at beginning of year, 
Policies written during 1889, . 

Total, 

Policies ceased during 1889, 

Policies in force Dec. 31, 1889, . 

Losses and claims unpaid Dec. 31, 1888, 
Losses and claims incurred during 1889, 

Total, 

Losses and claims paid during 1889, 



Number. Amount. 

1,723 $5,169,000 00 
72 216,000 00 



1,795 $5,385,000 00 
86 258,000 00 



1,709 $5,127,000 00 

4 $12,000 00 
9 27,000 00 



13 $39,000 00 
13 39,000 00 



Business in Massachusetts during 1889. 



Policies in force at beginning of year, 
Policies written during 1889, . 

Total, 

Policies ceased during 1889, 

Policies in force Dec. 31, 1889, . 

Losses and claims unpaid Dec. 31, 1888, 
Losses and claims incurred during 1889, 

Total, 

Losses and claims paid during 1889, 



Number. 

1,247 
67 


Amount. 

$3,741,000 00 
201,000 00 


1,314 
62 


$3,942,000 00 
186,000 00 


1,252 

4 
5 


$3,756,000 00 

$12,000 00 
15,000 00 


9 
9 


$27,000 00 
27,000 00 



278 



FRATERNAL BENEFICIARY [Dec. 31, 



SUPREME LODGE NEW ENGLAND ORDER OF PROTECTION;' 

BOSTON. 

[Incorporated Nov. 12, 18S7. Commenced business Nov. 17, 1887.] 

Samuel P. Tenney, President. Edward L. Noyes, Secretary. 

Office, 43 Milk Street. 



Income during 1889. 
For membership fees, .... 

annual dues, 

mortuary assessments, 

medical examiner's fees paid by applicant, 

miscellaneous, 



Total income, . 
Balance on hand Dec. 31, 1888, 

Total, . 



Disbursements durin 

For losses and claims (32 deaths), . 
salaries and commissions to agents, 
salaries of officers and employees, 
medical examiner's fees, . 
miscellaneous, .... 
expended in subordinate lodges, 
Total disbursements, 



Balance, 



G 1889. 

$53,000 00 
9,120 00 
4,993 41 
6,630 00 
7,644 38 
19,262 42 



$17,238 00 

19,053 11 

56,015 30 

8,840 00 

3,139 09 

$104,285 50 
4,439 94 

$108,725 44 



100,650 21 
$8,075 23 



Net or Invested Assets. 
Cash deposits on emergency or reserve fund account, . 



$3,174 99 



Non-invested Assets. 

In treasury of subordinate lodges, . . . $4,900 24 
Total non-invested assets, . . . 



Gross assets, 



4,900 24 



5,075 23 



Liabilities. 

Losses adjusted, due and unpaid, 
Total actual liabilities, . 



$11,000 00 



11,000 00 



Deficiency, $2,924 77 

Contingent Mortuary Assets (ok Resources). 



Mortuary assessments, called and not yet due, 



|5,596 00 



L889.] 



ASSOCIATIONS. 
Total Business of 1889 



271' 



Policies in force at beginnii _ ar, 

Policies written daring l ss '.». . 

Total 

Policies ceased daring 1889, 

Policies in force Dec. SI, 188 

ad claims unpaid Dec. 81, 
- ml claims incurred during 

Total 

I. — - ami claims paid during 188 

3 <id claims unpaid Dec. 31, 1889, 



3 yr 




Number. Amount. 

| . 94,000 00 
2 8,025,000 00 


7,559 £14,419,000 00 
294 520,000 <" ! 


7.265 * 13,899,000 00 

1 00 00 
35 62, 


36 $64,000 00 
32 53,000 00 


4 511,000 00 



Business in Massachusetts during it 

Number. 

Policies in force at beginning of year. 
Policies written daring 1889, . 

Total, 

Policies ceased during 1889, 

Policies in force Dec 31, 18fi 

•-S and claims incurred during 
Losses and claims paid during 188 

Losses and claims unpaid Dec. 31, 1889, 



Amount. 



• • • — •'JvV 

>48 


4,093,000 00 


5,146 

2"! 


$8,906,000 00 
361,000 00 


4,945 

20 

16 


§8,545,000 00 

$37,000 00 

.,000 00 


4 


$11,000 00 



"ODD FELLOWS' FRATERNAL ACCIDENT ASSOCIATION OF 
AMERICA," WESTFIELD. 

[Incorporated April 12, 1S37. Commenced business May 4, 1SS7.] 

James Noble, Jr., President. Herbert N. Kingsbury, Secretary. 

Income during 1889. 



For membership fees, 
annual dues, 
assessments. 

Total income, . 
Balance on hand Dec. 31, 1888, 

Total, . 



823,120 00 
13,500 20 
26,980 65 

$63,600 85 

3,125 74 

§66,726 59 



280 



FEATERXAL BENEFICIARY [Dec. 31, 



Disbursements dubing 1889. 
For losses and claims (435), .... '.,00073 



salaries and commissions to agents, 
salaries of officers and employees, 
miscellaneous, .... 

Total disbursements, 

Balance, 



29,404 16 
4,12:i 38 
2,729 86 



$59,258 13 
$7,468 46 



Cash in office, 
Cash in bank, 



Net or Invested Assets. 



Total net or invested assets, . 



$1,132 11 
6,336 35 

f7,468 46 



Contingent Mortuary Assets (or Resources). 

Mortuary assessments, called and not yet due, $5,272 65 
Mortuary assessments, not yet called for losses 

unadjusted, 11,000 00 

Total due from members, . . . £16,272 Go 



Contingent Mortuary Liabilities. 

Losses reported, not in process (number of 

claims, 1), $1,500 00 

Losses resisted (number of claims, 2), . . 3,750 00 

Total contingent mortuary liabilities, . 



$5,250 00 



Total Business of 1889. 



Policies in force at beginning of year, 
Policies written during 1889, . 

Total, . ... 

Policies ceased during 1889, 

Policies in force Dec. 31, 1889, . 

Losses and claims unpaid Dec. 31, 1888, 
Losses and claims incurred during 1889, 

Total 

Losses and claims paid during 1889, 

Losses and claims unpaid Dec. 31, 1889, . 







Number. 

3,876 
4,624 


Amount. 

$12,905,250 00 
12,189,050 00 


8,500 
2,844 

5,656 

3 
435 


§25,094,300 00 
8,404,500 00 


|16,689,800 00 

$5,250 00 
23,000 00 


438 
435 


$28,250 00 
23,000,000 



15,250 00 



1889.] 



ASSOCIATIONS. 



281 



Business in Massachusetts during 1889. 

Number. Amount. 

Policies in force at beginning of year, . . . 2,308 $7,357,550 00 
Policies written during 1889, 1,452 3,945,950 00 

Total 

Policies erased during 1889, 

Policies in force Dee. 81, L889, . 

Losses and claims unpaid Dec. 31, 1888, 
Losses and claims incurred daring 1889, 

Total 

Losses and claims paid during 1889, 

Losses and claims unpaid Dec. 31, 1889, . . . 1 $1,500 00 



3,760 
675 


$11,303,500 00 
2,174,950 00 


3,085 

1 
134 


$9,128,550 00 

$1,500 00 
8,969 00 


135 
134 


810,469 00 
8,969 00 



"IMPERIAL COUNCIL ORDER OF UNITED FRIENDS, 11 
POUGHKEEPSIE, N. Y. 

[Incorporated Dec. 2, 1881. Commenced business Dec. 2, 1881.] 

James B. Brayton, President. Oliver M. Shedd, Secretary. 

Income during 1889. 
For annual dues, $5,752 17 



mortuary assessments, .... 
medical examiner's fees paid by applicant, 
miscellaneous, 

Total income, ...... 

Balance on hand Dec. 31, 1888, 



471,186 77 
1,454 75 
9,000 00 



. $487,393 69 
7,172 25 



Total, $494,565 94 



Disbursements during 1889. 

For losses and claims (235 deaths), . . . $444,000 00 

losses and claims (25 disabilities), . . 29,500 00 

salaries of officers and employees, . . 5,550 00 

medical examiner's fees, .... 1,454 75 

printing, 5,450 00 

miscellaneous, 3,550 00 

Total disbursements, .... 489,504 75 



Balance, 



$5,061 19 



282 



FRATERNAL BENEFICIARY 



Nir ob Invested Assets. 
Cash in bank. National Pemberton, Lawrence, 

Balance unaccounted for, .... 



[Dec. 31, 

$3,804 26 
$1,256 93 



Contingent Mortuary Assets (or Resources). 

.Mortuary assessments, called and not yet due, $44,667 85 
Mortuary assessments, due and unpaid, . . 2,124 00 

Total due from members, . . . £46,791 85 

Contingent Mortuary Liabilities. 

Losses adjusted, not yet due (number of 

claims, 21), £37,000 00 

tosses in process of adjustment (number of 

claims, 11), 24,000 00 

Total contingent mortuary liabilities, . £61,000 00 



Total Business of 1889 



Policies in force at beginning of year, 
Policies written during 1889, . 

Total, 

Policies ceased during 1889, 

Policies in force Dec. 31, 1889, . 

Losses and claims unpaid Dec 31, 1888, . 
Losses and claims incurred during 1889, . 

Total, 

Losses and claims paid during 1889, 

Losses and claims unpaid Dec. 31, 1889, . 



Number. 

21,500 
3,236 

24,736 
2,233 



Amount. 

£40,175,000 00 
5,199,000 00 



$45,374,000 00 
4,484,000 00 



22,503 £40,890,000 00 



57 
210 



$112,500 00 
422,000 00 



267 

2;»5 



£534,500 00 
473,500 00 



Business in Massachusetts during 1889. 



Policies in force at beginning of year, 
Policies written during 1889, . 

Total, 

Policies ceased during 1889, 

Policies in force Dec. 31, 1889, 

Losses and claims unpaid Dec. 31, 1888, 
Losses and claims incurred during 1889, 

Total, 

Losses and claims paid during 1889, 

Losses and claims unpaid Dec. 31, 1889, . 



32 


$61,000 00 


> 1889. 




Number. 


Amount. 


2,740 


$5,828,000 00 


178 


256,000 00 



2,918 
306 



$6,084,000 00 
771,000 00 



2,612 *$6,388,000 00 



5 

38 



48 

38 



$9,000 00 
71,500 00 

£80,500 00 
77,500 00 

£3,000 00 



* Iucrea.se caused by changing face of policies. 



1889.] 



ASSOCIATIONS. 



283 



"SUPREME COUNCIL OF THE ROYAL ARCANUM," BOSTON. 

[Incorporated Nov. 5, 1877. Commenced business June 23, 1877.] 

L. R. Watts, President. W. O. Robson, Secretary. 

Office, 55 Kilby Street. 



Income diking 1889. 

Tor annual dues (per capita tax), 
mortuary assessments, 
rent and interest, 
benefit certificates, 

miscellaneous, . 

Total income, . 
Balance on hand Dec. 31, 1888, 

Total, .... 



$31,749 91 

2,158,309 76 

4,550 40 

27,666 50 

11,457 98 

12,238,734 55 

159,226 68 

$2,392,961 23 



Disbursements during 1889. 



For losses and claims (727 deaths),. 

salaries and commissions to agents, 
salaries of officers and employees, 
miscellaneous, .... 

Total disbursements, 



$2,146,526 00 

5,909 90 
33,959 44 
25,787 70 



2,212,183 04 



Balance, $180,778 19 





Net or Invested Assets. 




Cost value of bonds owned, 


$10,349 11 


Cash in office, . 


....... 


1,247 87 


Cash in bank, . 


...... 


169,181 21 


Total, . 


. $180,778 19 


Less depreciation, 


'ested assets, 


29 11 


Total net or ini 


. $180,749 08 



Non-invested Assets. 
Ledger balances, 
Interest due, 

Rents due, .... 
Supplies and office furniture, 
Per capita tax (estimated), 

Total non-invested assets, 

Gross assets, . . 



$2,077 84 




113 89 




33 33 




3,759 65 




16,202 83 






22,187 54 




• • i 


$202,936 62 



284, 



FRATERNAL BENEFICIARY [Dec. 31, 



Liabilities. 
Due grand and subordinate councils, 

balance, net assets, 



$449 88 



$202,486 74 



Contingent Mortuary Assets (or Resources). 

Mortuary assessments, called and not yet due, $174,474 86 
Mortuary assessments, due and unpaid, . . 2,288 06 

Total due from members, . . . $176,762 92 



Contingent Mortuary Liabilities. 
Losses in process of adjustment (number of 

claims, 18), $52,500 00 

Losses resisted (number of claims, 5), . 16,050 00 
Total contingent mortuary liabilities, . 



$68,550 00 



Total Business of 1889. 



Policies in force at beginning of year, . 
Policies written during 1889, . • . 

Total, 

Policies ceased during 1889, . 

Policies in force Dec. 31, 1889, 

Losses and claims unpaid Dec. 31, 1888, . 
Losses and claims incurred during 1889, 

Total, 

Losses and claims paid during 1889, 

Losses and claims unpaid Dec. 31, 1889, . 



Number. 

. 86,985 
. 13,357 


Amount. 

$256,575,000 00 

38,779,500 00 


. 100,342 
. 2,349 


$295,354,500 00 
6,883,500 00 


. 97,993 

23 

728 


$288,471,000 00 

$67,500 00 
2,151,000 00 


751 

728 


$2,218,500 00 
2,149,950 00 


23 


$68,550 00 



Business in Massachusetts during 1889. 



Policies in force at beginning of year, . 
Policies written during 1889, . 

Total, 

Policies ceased during 1889, 

Policies in force Dec. 31, 1889, 

Losses and claims unpaid Dec. 81, 1888, . 
Losses and claims incurred during 1889, 

Total 

Losses and claims paid during 1-S89, 

Loss< is and claims unpaid Dec. 31, 1889,. 



Number. Amount. 

11,217 $33,298,500 00 
846 2,494,500 00 



12,063 
256 


$35,793,000 00 
754,500 00 


11,807 

3 

98 


$35,038,500 00 

$9,000 00 
288,000 00 


101 
98 


|297,000 00 
288,000 00 



$9,000 00 



1889.] 



ASSOCIATIONS. 



285 



"SUPREME ASSEMBLE ROYAL SOCIETY OF GOOD FELLOWS," 

BOSTON. 

[Incorporated Aug. -, 1887. Commenced business April, 1882.] 

James G. Whttehouse, President. D. Wilson, Secretary. 

Office, 10 Temple Place. 
Income during 1889. 



For membership fees, .... 
annual dues (per capita tax), . 
mortuary assessments, 
medical examiner's fees paid by applicant, 
interest, ...... 

borrowed order, 

miscellaneous, 



Total income, . 
Balance on hand Dec. 31, 1888, 



Total, 



Disbursements during 1889. 



For losses and claims (114 deaths), . 
salaries of officers and employees, 
medical examiner's fees, . 

rent, . * 

printing, 

miscellaneous, .... 
Total disbursements, 



Balance, 
Cash in office, 



$295,400 00 

10,415 00 

4,930 00 

999 99 

971 96 

11,163 36 



Net or Invested Assets. 



Non-invested Assets. 

Stock and fixtures, 

Due from subordinate assemblies, . 
Total non-invested assets, 



$5,225 00 
27,165 66 



Gross assets, 



Liabilities. 
Losses adjusted, due and unpaid, 
Salaries, rents and office expenses due and 

accrued, 

Borrowed money, 

All other {not including contingent mortuary), 
Total actual liabilities, .... 

Balance, net assets, .... 



1,000 00 



$5,511 00 
7,331 20 
301,915 77 
4,930 00 
132 82 
6,500 00 
3,177 56 

$329,498 35 
1,580 88 



$331,079 23 



323,880 31 
$7,198 92 

$7,198 92 



32,390 66 

$39,589 58 



500 00 
2,500 00 
4,557 69 


13,557 69 




• • • 


$26,031 89 



286 



FRATERXAL BENEFICIARY [Dec. 31, 



Contingent Mortuary Assets (or Resources). 
.Mortuary assessments, resisted $20,000 00 



Contingent Mortuary Liabilities. 
Losses in process of adjustment (number of 

claims, 2), §6,000 00 

Losses resisted (number of claims, 7), . . 20,000 00 
Total contingent mortuary liabilities, . 



$26,000 00 



Total Business of 1889. 



Policies in force at beginning of year, 
Policies written during 1889, . 

Total 

Policies ceased during 1889, 

Policies in force Dec 31,1889, . 

Losses and claims unpaid Dec. 31, 1888, 
Losses and claims incurred during 1889, 

Total, 

Losses and claims paid during 1889, 

Losses and claims unpaid Dec. 31, 1889, . 



Number. Amount. 

14,966 $39,782,000 00 
2,465 5,373,000 00 



17,431 §45,155,000 00 
2,208 5,855,000 00 



15,223 

13 
112 


§39,300,000 00 

§34,000 00 
294,000 00 


125 
114 


§328,000 00 
296,000 00 



11 $32,000 00 



Business in Massachusetts during 1889. 

Number. 

Policies in force at beginning of year, 
Policies written during 1889, . 



Total, 

Policies ceased during 1889, 

Policies in force Dec. 31, 1889, . 

Losses and claims unpaid Dec. 31, 1888, 
Losses and claims incurred during 1889, 

Total, 

Losses and claims paid during 1889, 



Amount. 

9,093 §22,510,000 00 
1,071 2,312,000 00 



10,164 §24,822,000 00 
1,714 3,184,000 00 



8,450 §21,638,000 00 

9 §22,000 00 
66 168,000 00 



75 §190,000 00 
69 173,000 00 



Losses and claims unpaid Dec. 31, 1889, 



$17,000 00 



1889.] 



ASSOCIATIONS. 



287 



"SUPREME COMMANDERY UNITED ORDER OF THE GOLDEN 
CROSS OF THE WOULD;' KXOXVILLE, TENN. 

[Incorporated July 4, 1876. Commenced business July 4, 1876.] 

3ENDEN I. Day, President. W. R. Cooper, Secretary. 

Income DURING 1889. 

For annual dues (per oapita tax) $9,397 24 

mortuary assessments 220,237 62 

medical examiner's fees paid by applicant, . . . 8,750 00 

benefit certificates, 4,005 00 

miscellaneous, 2,09-4 79 



Total income, . 
Balance on hand Doc. 81, 1888, 

Total, . 



Disbursements during 1889. 
For losses and claims (135 deaths), . . . £219,61134. 
salaries of officers and employees, . . 8,528 17 

medical examiner's fees, .... 8,750 00 

miscellaneous, 5,649 86 

Total disbursements, .... 

'Balance, 

Net or Invested Assets. 
Cash in office, 



$244,484 65 
7,212 75 

$251,697 40 



212,539 67 
£9,157 73 

$9,157 73 



Liabilities. 

Salaries, rents and office expenses due and accrued, 

Balance, net assets, 

Contingent Mortuary Assets (or Resources). 
Mortuary assessments, called and not yet due, $18,900 00 
Mortuary assessments, due and unpaid, . . 550 00 

Mortuary assessments, not yet called for losses 

unadjusted, 32,500 00 

Total due from members, . . . 

Contingent Mortuary Liabilities. 
Losses adjusted, not yet clue (number of 

claims, 10), $14,450 00 

Losses in process of adjustment (number of 

claims, 1), 2,000 00 

Losses reported, not in process (number of 

claims, 13), 20,275 00 

Losses resisted (number of claims, 1), . 2,000 00 

Total contingent mortuary liabilities, . 



498 82 



£8,658 91 



£51,950 00 



,725 00 



288 



FRATERNAL BENEFICIARY [Dec. 31, 



Total Business of 1889 

Policies in ton-^ at beginning of year, 
Policies written during 1889, . 

Total 

Policies ceased during L889, 

Policies in force Dec. 31, 1889, . 

Losses and claims unpaid Dec. 31, 1888, 
Losses and claims incurred during 1889, 

Total, 

Losses and claims paid during 1889, 

Losses and claims unpaid Dec. 31, 1889, 

Business in Massachusetts 



Number. 

12,G49 
3,500 

10,149 
C30 



Amount. 

119,880,500 00 
5,250,000 00 



125,180,500 00 

1,375,500 00 



15,519 $23,755,000 00 



15 
145 



$24,350 00 
235,500 00 



160 
135 



$259,850 00 
219,011 00 



25 $40,239 00 



Policies in force at beginning of }'ear, 
Policies written during 1889, . 



Total, 

Policies ceased during 1889, 

Policies in force Dec 31, 1889, . 

Losses and claims unpaid Dec. 31, 1888, 
Losses and claims incurred during 1889, 



Total, 

Losses and claims paid during 1889, 

Losses and claims unpaid Dec 31, 1889, 



during 1889. 

Number. 

4,440 
1,333 



Amount. 

$ 7,39 1,000 00 
1,999,500 00 



5,773 
244 



19,390,500 00 
1,039,000 00 



5,529 $8,351,500 00 

7 $12,000 00 

50 77,500 00 

63 $89,500 00 

40 70,953 00 

17 f 18,547 00 



"SUPREME COLONY UNITED ORDER OF THE PILGRIM 
FATHERS," LAWRENCE, MASS. 

[Incorporated March 15, 1879. Commenced business March 15, 1879.] 

John H. Rowell, President. James E. Siiepard, Secretary. 



Income during 1889. 
For annual dues (per capita tax), . 
mortuary assessments, 
medical examiner's fees paid by applicant, 

interest, 

certificates and sale of supplies, 
charter fees, .... 

Total income, .... 
Balance on hand Dec. 31, 1888, 

Total, 



$7,500 48 

134,358 53 

2,433 75 

121 06 

1,812 35 

800 00 



$147,032 17 
15,293 55 

$102,325 72 



1889.] 



ASSOCIATIONS. 



289 



Disbursements during 1889. 



For losses and claims (78 deaths), . 

preliminary organization, now colonies, 
salaries of officers and employees, . 
medical examiner's fees, . 
rent and printing, 
mileage, supplies and postage, 
Total disbursements, 



Balance, 



$143,200 00 
645 00 
2,308 33 
2,433 75 
1,219 86 
4,260 58 
$154,067 52 



*,258 20 



( lash in bank, 



Net ok Invested Assets. 



5,258 20 



Liabilities. 
Losses adjusted, due and unpaid, 

Balance, net assets, 



4,000 00 



$4,258 20 



Contingent Mortuary Assets (or Resources). 

Mortuary assessments, called and not yet due, $26,000 00 
Mortuary assessments, not yet called for losses 

unadjusted, 13,000 00 

Total due from members, . . . $39,000 00 



Contingent Mortuary Liabilities. 

Losses adjusted, not yet due (number of 
claims, 11), $19,000 00 

Losses in process of adjustment (number of 

claims, 4), 8,000 00 

Losses resisted (number of claims, 1), . 2,000 00 

Total contingent mortuary liabilities, 



Policies in force at beginning of year, 
Policies written during 1889, . 

Total, 

Policies ceased during 1889, 

Policies in force Dec. 31, 1889, . 

Losses and claims mrpaid Dec. 31, 1888, 
Losses and claims incurred during 1 1889, 

Total, 

Losses and claims paid during 1889, 

Losses and claims unpaid Dec. 31, 1889, 



ies, . 
s of 1889 


$29,000 00 

Number. Amount. 

9,715 $17,445,000 00 
2,016 3,278,000 00 


11,731 $20,723,000 00 
375 658,000 00 


11,356 $20,065,000 00 

20 $38,200 00 
76 138,000 00 


96 $176,200 00 
78 143,200 00 


18 $33,000 00 



290 



FRATERNAL BENEFICIARY [Dec. 31, 





cj 

o 




CO 


• 


CO 


T—t 


^ 


6 


^. 


£ 


e 




O 




* 




c» 






< 


Ci> 



$ 




c 


fc-, 


•r* 


> 




a 


73 


O 


03 




ca 


o 


>— i 


to 


i— i 


e 






00 

oS 

.n 


b 
c 



zz ^ 3 

03 

— 

a 



s= ^> .5 



M 



~ .5 S 



03 



— c 



S £ 






w 

co 

E 
03 



- 



03 
l-S 



a 


, . 


e3 


03 


« 


Ph 


O 


• 




iJ-t 


CO 




- 


o 


s: 


CJ 


o 


O 



tf. 

a 



CO 



— 



c 




o 


bf 


cj 
tr 


tc 




C 


fin 


o 


H 


b> 


•a 


p» 


•_ 


~ 


OS 


Q, 


•f 


o 


73 


CO 

o 


W 


»-s 



BO 

d 



>» "5 



o 



« J 



W j 



o o 
o ° 



C 



el 

S 

o 

— 



3 
oj 

pa 
a 



tCJ 

■id 

I * 

b 

o 






"** .2 »- 



cj 



O 



> 

c 

- 

£ 

3 



£ 



e 

o3 
O 

P 
Ih 

c3 

.3 






-z 

a 

03 



O 

* 

73 

ea 

-r 
W 



o 
P-i 



o 



.3 *> 

a w jg 

co 3 

O 



s 

o3 







H 



a 

o 


b" 

o 


E3 


B 

0J 


en 
a> 

o 


o 

tc 

e 






a> 


fe- 




CO 


CO 


O 


03 


O 


O 


3 


ed 


£ 


J— i 


pq 


« 


CO 


i3 


O 



C3 



5 £ £ 



p 
o 

B 

d 
ad 
H 






a 

o 

o 
pq 



03 



!? fcfi 



a 

q 



3 
-3 



C5 
CO 



oo 

00 



CM -** 

00 CO 
GO 00 



CO 

oo 



oo 
oo 



t— .— I CM 

00 OO 00 
00 CO CO 



o 

CO 

-Jj 



a 

ad 






P 



03 



a) B 

O <3 



B 

a 
Ha 



03 



fe CO 



qj 03 



2 Ph 



.2 "C 



S rt 



-3 ^ 

B 

a 



.a to 



o 



2 P4 



3 r- 



PQ 

"c3 
B 

S 



B 
O 
co 
03 

o 

-»-< <-• OJ j. 



s 


s 


e9 

3 


CO 


CJ 


3 






w 


B 


1— 1 


OJ 


O 


f=i 


3 


CO 

03 


o 


J3 

CJ 
03 

CO 


S 
>, 


E 
O 

CO 

03 


co 


C 


i— i 


B 




*s 


O 


OJ 


E 


O 


o 

— 



B 

OJ 

73 



73 
09 





-1 



c3 



OS Ph W 



3 

- o .2 

c3 co *j 

3 






03 



^ < 



a 



<1 "S .5" 



«<-i 2 



^5 .S OJ 



<1 pnj 



< 5 S 



3 
O 

2 



r ej 

>— ( .3 



« 

"3 

s 



■3 1 

O cv 



3 OS £ 

S Sz; b 
.2 .2 "■ 



**( OJ 

.2 B 

E A 

O o 






z 

pq 









w 



oj 



-3 



3 £ 



3 

o 
DC 



o 

-3 
CO 



c 
X 



S3 .2 



°-> -— T! 



- p^ 



B 

o 

co 
03 

I 

S 
CO 



3 
3 
«-« 

3 

CJ 

'S 

o 

co 
3 

B 

.2 
's 

p 



s 
o 

oo 

03 



03 
CO 
13 

'e 



<J B 

3: E 

3 - 

— 3 



a 



3 

Em 
£ 

3 



X 



3 

o 
O 

X 

o 

00 

CO 



CE 

OJ 

B 

OJ 



33 

tc 

3 
3 
C 



o 



h m 



CJ 



(M i-i 

CO 00 
CO 00 



a 



3 2, 



E 

"3 « 

3 5Q 

5 ? 



cd 5 



73 

o 

B 
B 

- 



L889.] 



ASSOCIATIONS. 



291 



— 


/. 








•— 




















'i 


3 

c 


- 







: 

00 


o 




















"3 


k. 


T3 


-s 


M 



■^ ffl 



~ 



e 
gq 

i 

— 




- 



-- ►» S 






gfl 



= 
o 

H 



afl 



,2 CC O 



pq _ 



MSN 



- 
P 



gfl 

d 



gfl 

— 

< 



_ 

a 



fa pq 

^ CO 

c 2 

c3 



£ £ 



- 



>. 



— U. 00 



o 

p 

.3 

HP 6 

3 a> 

a o 



gfl 
P- 

pq 



at) t °° 

at -r E3 







S o 
— >, 

d H 



ha M J^ c» 



— t> 



tn •— M ^; - 

w n an c3 c 

°0 "T c. — 8fl * 

S J 2 • ^ - S 

hg> i-a fa < Q ^ P" 



r 



CQ — 

B 

gfl 






o 53 



- 



— 
EC 



^ M 



3 
P 

s 
-~ 
o 

•-a 



c 
o 



gfl 

— 

a 



— 

c 
PQ 



- 



— 



P 

gfl 

w 






— £ 



© | * 

Z Z P 



=3 3 



._ — 



— 



= B 



ad 
DC 



S 

gfl 

O 



_" •= — 



•— VS CD 



bo 

c y — 
.— — bo 



— 



z 



Z 

pq 



o 
pq 



-- — 



- 
pq 



ga 

fa 



: 
pq 



pq 






-M I- — 



03 — 

;c do 






< - 



O W 



O 80 

— 

S fa 6 



f- * T, 



00 — 



CD 3 

C -. 



ofl 






^ gfl 

2 2 



cj — 
fa »-a 



tC 83 

s >- ^ 

_- — o 3 



gfl 

O 



v 



o 
U 



o 



^) 



i; u co 



o S 



o 

c 

♦-3 


O 

-»a 
pfl 
o 
o 


o 

*— 


O 

3 


o 
— 


c 




C 


c 
o 


C» 

o 

e 

o 


c 
o 


•4M 

= 

CD 


• 


3 


. 


D 

c 




oo 

00 

ofl 


O 


C 

••a 


oo 

X 


o 

-Jl 

s. 

< 


o3 

r. 

OB 

< 


.2 
'8 

c 

00 
30 


rt 
a 
o 

CO 

t/j 


Bfl 

"o 

c 

CO 
00 


.5 

'S 

o 

00 
CO 


c 

CO 
00 


CD 
O 
oo 

30 
< 


4-1 

_p3 

o 

oo 

00 

< 


< 


c 


CD 

& 
CJ 

3. 
3 


• 


oo 
C 
S3 


aa 
E 

i— < 


s 


-4J 

3 

a 

-r. 


c 


-c 


_i 


U 


J 




^_j 




< 


— 


o 


02 


• 


C5 


„ 


(h 


~ 


■ 

< 

c 
a 

— 


- 
< 

= 


CO 

C 

pq 


C 

pq 


a 
o 

"e3 


a 


CC 

o 

C 
o 

pq 

c5 


efl 

CD 

C 
o 

pq 


Ch 


'3 


•— . 

_CD 

"3 


"3 

CD 
1— 1 


3 

CD 
> 

o 


- 

o 

— 


oo" 

-3 

"5 
P 


DO 

— 

C 
CD 
X 


3 
p3 

"3 

3 

m2 


-d 

CD 

— 


>> 
fa 

C|_ 

O 

00 


> 
O 


- 
■*a 

ofl 


— 


1 


— 


s 


— 


-5 


3 


3 
— 


3 
3 


ofl 


CD 
O 


o 


Cm 
O 


Cm 
O 


— 

. Cu 


P 


"3d 


— 


— 


i 




i 


s 


a 


S 


» 


£ 


s 


Z 


fa 





CD 


o 


O 


o 


3 


— 




. 








„ 












^ 


tc 


rs 


•3 


V 


s- 

CD 

-3 


B 




00 

> 




30 

> 


CQ 


30 


to 


00 

> 


30 


X 

^ 


30 

f5 


00 


(J 


S-i 

O 


o 


— 


^r 


c 


c 


a 


a 


o 


O 


O 


O 


O 


o 


O 


O 


3 


c 


3 


o 


o 


a 


c 
H 












^^ 














03 


c3 


cfl 








a 


a 


o 


a> 


CD 


CD 


CO 


CD 


CD 


CD 


CD 


CD 


CD 


a 




3 
CD 


3 
CD 


u 


-i 


fa 


fa 


fa 


fa 


fa 


fa 


Um 


fa 


fa 


fa 


fa 




— 


's-i 


CD 

M 

3 


> 


-— 


— 


73 


-T 


— 


-zt 


-d 


-3 


-3 


r— J 


-3 


"3 


CD 

s 


CD 
g 


CD 

s 


i> 


O 


CJ 


-3 


"3 


— 


-3 


"3 


73 


-d 


"3 


-3 


•3 


■3 


73 


3 


3 


3 


Z 


O 


c 


o 


C 


c 


O 


O 


o 


o 


o 


o 


o 


< 


<^ 


«< 


«1 


< 


« 



292 



FRATERNAL BENEFICIARY [Dec. 31, 



a 

a 

•H 

a 
© 



o 

CQ 

H 













































. 


c 


3 






"5 






ca 


O 




CD 


03 




73 


6 

a 


00 

a 

"3 

3 


oo 
E 

03 

w 


>> 

o 

"S 
9 

c 

CD 

O. 
CO 


- 

CO 


fa 


c3 
P 


s 


> 

a 


3 
O 
00 


^3 
■a 

H 

03 


•-- 

3 


00 

la 

OS 


O 

h1 


03 

O 




73 
CD 

33 
CO 


CO 


O 

U 

fa 

d 


00 

P 


E 


fa 
6 

a> 

CD 


w 

>> 
E 

3 
<D 

X 


E 
£ 


c3 


55 

P5 


£ 
el 

1 


a 
00 

CD 

~ 

03 


fa 

L 

3 
03 

a 


73 

E 

03 
t5 

73 

pq 


73 

M 

s 

3 
03 
CO 


03 

— 

03 

Pi 


2 

j- 

03 

> 

O 










DD 

be 

C 


































































• 




• 


a 


• 


• 


• 


• 


• 




• 


• 


• 


• 


bf. 


• 


• 


= 
o 

2 

B 


•* 

p 

o 

oo 


s-T 

a 


"3 

E 

s 

03 


s 

3 

o 

fa 

03 


1? 

o 

3 
CO 


s-T 

CD 



R 

^03 

03 
fa 


& 



3 

M 

R 


CD 

to 

03 


3 
3 

Q 


CD 
"ol 

00 

03 

£ 
O 


# 3 

"E; 

03 
CO 

£ 


1^ 

03 

R 
3 

03 

H 


p 

c3 
3. 
CO 


p 

'E 

03 

fa 


3" 
O 

03 

M 

fa 


£ 


00 

s 
p 


03 

o 
CO 


P 

CO 

a 


03 

73 

< 

00 


3 

*-> 

CD 

(a 

a> 


fa 

CD 

£ 


— 


o3 

5 
00 

E 


H 

6 


03 
CO 


H 

00 

0J 

E 


fa 
"03 

i 


3: 

CU 




-4-> 

E 



"5 
- 


pq 

00 
03 

E 




fa 


a 


a 


fa 


03 

in 


C5 


03 
Hs 


R 


<l 


A 


33 
H 


£ 


03 
CO 



i-s 


03 

i-a 




































^ 




. 
















73 

3 
















^ 


c 
o 




03 
fa 








P 




E 


3, 


M 

00 


6 














00 


3 

o 




oo" 

3 






t4 

03 
> 


o 




CD 

73 


3- 














R. 


03 


J 


o 


s 


o 


r 

o 


fa 


00 

OJ 


3 



.3 


03 

3 


3 
O 


3 



3 
O 


3 



3 
O 


3 
O 


3 
c 


bo 






3 


-u 








£ 






— 


*-> 


— 








00 




oo 


00 




03 


00 


73 

3 
H- 1 




00 


00 


oo 


00 




00 


3 




O 


O 


O 


O 


03 


3: 





03 


• 





O 


O 


O 


c 





O 




pq 


o 


ra 


fa 


fa 


O 


pq 


O 


CO 


pq 


P5 


pq 


fa 


fa 


fa 


fa 




QC 


C33 


o 


o 


OS 


«c 


CN 


t^ 


OO 


■* 


OS 


»o 


OS 


t-~ 


cc 


CO 






00 


r-» 


CO 


CO 


CO 


CO 


CO 


CO 


r— 


t-- 


CO 


00 


00 


CO 


CO 


CO 


00 


S 

CO 

u 

o 


CO 


CO 


CO 


CO 


00 


oo 


GO 


00 


CO 


00 


00 


CO 


00 


CO 


00 


CO 


00 


C5 


CN 


o 


CO 


o 


CO 


<M 










CN 


CO 


CN 


CN 


oc 





CN 


c 




<M 




1— 1 


1—1 


1— 1 


CM 


CO 








CN 


CN 


l-H 




•-^ 








































o 


s 

l-S 


03 


03 

C 
3 


R 

S3 


a, 

CO 


3 
OS 

hi 


3. 
03 

CO 




u 
a, 
< 


3 
03 


O 
O 


3 
03 
1-5 


4J 

03 
O 


> 
O 


03 


CU 
03 


03 

03 

P 












a> 








































































cu 




a 










O 














• 


• 


• 


• 


£ 

CD 


• 


3 
R 
O 
O 
73 


0* 
be 

73 








3*" 


00 

5 














• 


• 


* 


• 


R 


• 


3 


l-q 


* 


• 


O 


7-5 


* 


* 




• 


* 












CD 




03 








4J 


3 
03 
M 

O 

3" 
O 
'■+J 

"0 






















s- 




E 


T1 






03 














. 


. 


. 


. 


3, 


. 


CD 


3 
03 


. 


. 


O 
O 


. 


tr. 


• 


. 


. 




• 


• 


3 
CD 

s 

.2 

I-" 

03 

fa 

6 

s 

03 

E 

a, 

CO 

o 


• 


CO 
v. 


• 


00 


H 

CD 
oT 

fcC 




CD* 

73 
O 

k5 


• 


00 

00 

< 

73 


• 


73 

s 

03 

£ 



• 


• 


'3 




a? 

Sb 

73 
O 

fa 

£ 

03 

E 

CU 
3 
co 

oo" 


o 

'5 
P 

cp 

e 

<u 
E 

s 
CO 

C 
O 

'5 


•„ 
"S 

R 
3 

o 

o 

03 
E 

CO 

E 

a. 


3 

<*- 
O 
oo 
03 

73 
03 

fa 

73 
3 
03 

00 

E 
9 


3" 


'3 

P 

"3 


33 

a 

O 

oa 
"0 

M 

PO 


00 



M 


O 

CO 

CM 



00 
R 

CO 

CD 

*-> 
(m 


03 

e 

CD 

s* 

CO 



3 
O 

w 

O 


oT 
be 

73 
O 

k5 

S 

CD 
U 

3. 

3 


1— 1 

— 
3 

V j 

cu 
£ 

H 


O 
00 
00 

< 

*-> 

3 
CD 

O 
► 
03 

3 

03 

GQ 

73 


00 

3 
73 

3 
t— 1 
«_i 

O 


M 

Cu 

3 
CO 

cT 


03 
CD 

4-> 
O 

M 

fa 

<4_ 
O 


oT 
be 

73 



fa 

03 

£ 

03 

la 
P4 


3 

_o 

.2 
"0 
O 
00 

CD 


3 
R 
O 
O 

"3 
'n 

03 

3u 

£ 

1— 1 

oo" 
73 

c 




.5 
IS 


c 

03 


"c3 


3 

E 




O 

1* 
CD 


00 

9 


CO 


73 




03 


03 

73 


u 

03 

73 


H 
CO 


fa 


03 

fa 




P«i 

fa 

cm 

O 

00 

E 

9 


P 

73 

'•< 
cd 

s 


3 

03 


3 
CO 

i£ 
*oj 
.3 
O 


CD 

.R 

o 

«-> 

3 

CD 

73 

3 


03 
J- 

fa 

3 
CD 
73 

3 


73 

O 

3 

0J 
73 

3 


73 
M 

O 

♦j 
3 
CD 

73 
R 


73 

73 

3 

aS 

00 


O 

3 
O 

a 



00 


CD 
00 

00 

3 
X3 
O 
03 
O0 

00 

03 


P 

00 

03 
00 

3 
35 


O 

73 
R 

03 

'5b 

3 


O 

73 

R 
03 

"be 

3 


R 
O 

'5b 


fa 

3 
E 


03 

3 

3 
3 


73 

1 

'3 

p 

Cm 

O 

U 

03 
73 
M 

O 




S3 
> 
03 

o 


2 

fa 


3 

2 

CD 


a 

3 
O 
ffl 


o 

73 

3 
I— I 



CU 

73 

3 



R4 

O) 

73 
3 
»— 1 


CD 

CU 
CD 

73 

R 

l-H 


— 
'3 


J3 
bp 
*3 


03 
00 
00 
03 


CD 

S5 


03 


03 

-R 
E 

O 

55 


03 

C 

O 






L889.] 



ASSOCIATIONS. 



293 



P 


















>> 






















C 


















1- 






















— 

o 


r 






© 
to 

s- 
O 

O 




M 








> 






. 






•A 


Si 


00 


Si 




— « 

s 

a 


i 

> 

6 


■3 


g 

00 

O 

6 


PQ 

H 

08 

a 

oo 
O 

""9 


3 
O 

00 


B 

a 

o 

3 
"3 


o 

"3 


© 

CO 

s 


o 

o 
o 
O 

> 

f> 


© 

— 
© 

W 
>> 

5 


a, 
© 

— 

CO 

W 

oo 


3 
ki 

O 

s_ 

CQ 

s 


c 
o 

CO 

<i 

> 

-3 


O 

3 

a 

3 
o 

Si 
Si 

03 

5* 


Si 

ci 
Ph 

CO 

h 

c 
o 


03 

to 

3 

< 

U 
© 

< 


.3 
3! 
© 

P^ 

t—l 










B 






o~ 










00 




























00 




























a 

go 
< 


m 

•3 

S 

B 


•a 


3 
O 

X 

EC 

ep 

s 


00 


O 

00 

"3 
pcj 


p 

O 


= 

a. 
o 
H 

2 


g 
o 

p» 

^5 


= 
o 

E 

a 

Q 


p 

•-< 

3 

— 
P 

■- 
/. 

00 

© 


tc 
p 
B 

< 


CD 

5 

>— i 


_© 

pej 

o 


00 

© 
CO 

« 

'3 


s-T 
o 
jp 

y 

*j 

03 

^: 
H 

OS 


2 
© 

w 

p 

03 


O 


g 
B 

03 
P 

CO 




CO 

s 


i 


c 

•** 


to 

© 


6 

© 


DO 

a 

►■s 


3 
— 


n 


p 
© 


_p3 

^9 


3 

"5 

•-3 


3 

Pi 

CO 


B 
d 

Si 

Cm 


B 


-5 

"5 


to 

3 
< 


B 

O 
l-B 
























_L; 


o 


















„ 




~z 












SB 






— 


© 








^ 








- 


c 


_2 




- 


~* 


3 


3 




3 


> 


> 


3 


P 


3 


-" 


_^> 


B 


3 


a 


1 


o 


.^ 


o 


O 


Q 




!_ 





X 


© 


E 


o 


O 


o 




O 


O 


















S: 




s 


3 


f 














o 


1 




BO 


CO 


00 


oo 




CO 


00 


GO 


oo 


> 


00 


CO 


b 


.3 


o 


> 


r 


O 


O 


O 


c3 


03 


O 


3 


O 


03 


O 


o 


O 


© 


O 





O 


» 


22 


pq 


PQ 


C5 


J 


J 


m 


w 


CO 


A 


cq 


CQ 


PQ 


pq 


pq 


PQ 


C3 

*-> 


Ci 


CI 


t~~ 


Ci 


r— 


r^ 


r— 


CO 


CO 




«D 


n 


Oi 


Ci 


Ci 


cc 


>-: 


to 


CM 


TJ 
Oi 


x 


oc 


r 


co 


i-» 


GO 


CO 


CO 


CO 


CO 


t— 


X 


t~~ 


CO 


CO 


co 


K 


CO 


CO 


X 


30 


CO 


:c 


oo 


CO 


3D 


CO 


CO 


y. 


OO 


CO 


CO 


CO 


CO 


CO 


co 


CO 


CO 


















„ 


„ 








„ 




■. 










CD 


Ci 


^i 


TT 


co 


<o 


■* 




C5 


Ci 


i — . 


<* 


P5 


l~ 


Ci 


cc 




Tf< 


^ 


cc 


— 








—" 




•■* 




■ — ' 


CN 


CO 


^ - 


" 


CN 


' ' 




^ - 




'—' 


CO 







bo 


1 


> 

a 


© 


3° 

< 


4a 
— 
<u 

CO 


3- 

e 
x> 


p 

c3 

•-s 




4^» 

© 
CO 


a 


«a 
O 

o 


< 


> 



CD 


5 


© 

Cm 


CQ 

# 






















* 










3 






























? 










X 








































.i 




















•rt 










O 










■a 

CJ 
















•. 




u 










D 




* 
















• 


•J 


•3 
C 

To 


• 


c 
a 
o 


* 


■ 


• 


• 


Pi 


• 


>> 


• 


• 




• 




• 








3 




>> 








CO 




a 

















• 


• 


~ 


• 




— 


• 






, 


o 






Pd 










• 


• 




«M 

o 

b 
o 

"§ 
3 
o 

00 
00 

< 

Cm 


• 


B 

a. 

3 


s 

o 

00 
00 


l~ 


cc" 

CM 
CN 


• 


O 


• 


3 

3 


• 


p 

o 

00 

o 

« 

Cm 

o 

Q 
© 

4a 

Cn 

O 

3 


5 


• 


B 

"o3 







c 

"•M 

*3 
o 


.2 

'3 
o 

00 
00 


o 

3 
o 

DO 
GO 


'3 

c 

3 
O 

O 
© 

s 

a> 


CO 

"5 

c3 
hJ 

"3 
3 
e3 

QQ 

"to 


o 

3 
o 

£. 

3 
CO 

CO* 


o 
o 

to 
-d 

o 

oo 

*a 

B 

a 


C 

o 
to 

o 

o 
S3 

e 

CD 


'3 

3 
3 
O 

o 

© 

S 
© 

— 


© 

o 

co 

00 

p 
o 

3 
V 


CO 

© 

"3 
03 

■3 
-3 
O 

43 

B 

CO 

r3 

B 


a, 

CO 
oo 

Si 

© 

r-r 

a 


T3 
O 

o 

J3 


3 

tH 

5 

00 

O 

PQ 

© 

Cm 

o 


3*" 
O 
•4a 

"3 

00 

00 

< 

Cm 
O 


© 
O 
00 
00 

< 

Cm 
© 

"3 

& 

*3 
o3 
O 


-M 

03 

"3 


00 

00 

<1 

«M 
O 

"3 
D3 

5 




GO 
00 

<J 

c 
© 

PQ 

b 
es 


< 

3 

> 

C 
o 

- 

s 


— 

*io 

3 


© 

"5 

3 

3 

a 

"on 

a 


a. 

3 
CO 

s~ 

3 

a 
© 
< 


3 
« 

O 
o 

> 

3 
O 

o 


"3 
C 
O 

o 

•*- 
o 

& 

.2 
"3 
o 
oo 


tc 

o 
o 

a 

CO 


2 

© 

to 

o 
© 
O 
— i 

CO 
«t— 1 

o 


3 
CO 

^3 
oo 

&: 

"© 


© 

— 

o 

© 

-3 

Li 

o 


Pi 

"3 
3 
»— i 
<*— 
O 

S-i 

© 

-3 

o 


Ch 
© 

Cm 

O 

Li 

o 

-3 

Si 

O 


J3 
+a 

O 

P3 

3 
_s3 

«a 
Pw 


.5 

'5 

o 

CO 
CO 

< 

"bo 

Si 

© 
© 

83 

o 


_33 

"3 
o 

co 

00 

< 

e3 


© 

00 

"3 

03 

s 

© 

>> 


3 

© 
P 

'5 

B 
c3 


1 

CO 

*3 
© 

a 
© 

M 




es 


^ 


^ 


s 








o 


-3 


T3 


Ti 


-d 


-d 


© 

«B 


B 


3 




.3 
>> 




03 


c3 


c3 






© 


© 


© 


© 


CD 


s 




O 


O 




o 


IS. 

o 




>> 

O 


>> 

O 


O 


3 


3 

o 

CO 


3 


B 


B 


3 


B 


B 


> 


-M 
00 




-M 
CO 






1*4 


Ph 


—1 


i-H 


1— 1 


i— l 


s 


CO 


P 


P 


P 


P 


P 


H 


pq 


pq 


pq 


pq 





294 



FRATERNAL BENEFICIARY [Dec. 31, 



o a 



J 5 z: 



z 
z 
U 



•= s° rs 



o 




- 


00 

,£3 

o 


h-1 


O 


M< 


53 


so 


T3 




t-a 


2 


O 


3 






OJ 




i* 


3 


43 


3 


3 


•-3 


r-i 


•-» 


O 



bC 



O 



— 


a 


QQ 


-a 


s 


L> 


s 





o 


o 


-3 


•- 


H 


•J 



i; m », "g 



a 1 « 

3 8 5 

3 









v g 



- 



5 > 



R 

q 
o 

- 



£ < 



* * 



z 
— 
- 



•& 6 5 



a 



C2 O 







T3 

£3 

• r— 1 

a 

o 

O 



© 

- 

- 

H 



o 
to 



M ;2 JS 



i 3 * ro 



b9 



a 



Pn 






o 



s 

a 

a 

3 



•-s 
o 



rz _ ?3 «-> 



O 
•-a 



.2 Pi 

p-» — 

3 

E 

si 
DC 



~ .3 O 

• o 



Cj O C 

»« *3 la 



03 

»-3 



pq 



+-> — 



► 



co Pn 



-s o 



£ o 



cu *J 



A 

a 



DC 



C 

O 



o 

m 



- 



H5 



P* 



o u 



g 5 § 

O 3 p, „ ... ... .. 

£ P-t fcfi fcD S P O 

fc e g~ a '=• i 2 8 8 § 3 a .* . g p" § 

p^cqpq^oo&HOOOcci-^cOhqOcqi-J 



oo 

00 


OS 

00 
00 


C5 

oo 

00 


© 
CO 

oo 


00 
00 


oo 

CO 


C3 
OO 

oo 


00 
00 


C5 

00 

CO 


00 

CO 


CO 
CO 


C5 

CO 
00 


CO 
00 


oc 


■— 1 


CO** 


© 




of 


o 

I-H 


t>r 


1— 1 

l-H 


cT 




CO* 

1— 1 




CO 
CN 


o" 




>> 
83 


3 


"a 


a 

03 
1-5 


c 

1-8 


s 

3 
1-8 


3 
c3 

•-8 


H 

03 

2 




a. 

CO 


i> 
2 


P. 

CO 


bC 

3 
< 



< 






fr. 



3 j; 

O . . . . «*5 

3 h 

o 9 • •, • .S 

oa .a ~- 

CO ^ p l—l 

<1 .S3 o nr 

o • • -^ e3 • • • _r 

Si « . S ^, « 3-2 Ho ^;- 

H*^ -r o o p o-ti 0.2 °3 

^5 o> «» _I ■« •« *s 5 a " o 5 tn .3 

55^2-^«o.5w<h 52 « "" o o 

r« b « « § I ? <s «• ? 1 I § ^ 

>, s .^ 1 : ^ ^ ^ w "= K h 

g^SSg^ J < » § 1 « § I I I J 

5gglli|88g|ggSlli 

0000333-3^3:00t.-^^?j^ 

pqpqppqoooooooofeOS^hq 



L889.] ASSOCIATIONS. 295 









■d 


























L< 






B 




►. 




- 


X 
















tr 




- 

X 

2 




* 


. 




o 

X 




i> 




•^r 








a 




B 






B 




a 


a 


- 




B 


/ 


c 


• 


P 


S3 

to 




- 




CD 
X 






— 




^ 


o 

B 


B 


A 


X 

— 
— 


a 
/. 

< 


CI 

o 

> 

DO 

-E 


- 
On 

X 

•-5 


q 

>— 

i> 

to 

u 

a 
- 




DO 

/. 

: 

•-5 


a 

i> 

P* 

<5 


r- 1 

43 

"3 


o 

Q 
- 


^5 
O 
Q 

Cj 

3 

c 
»— i 


c 

o 

- 

d 

<5 


•— 
O 

X 

o 

E 

- 


c 

Ih 

— 


o 

c 
B 

O 

G 


u 



— 

— 


E 
PC 

w 

c 


S3 

— 
CO 

■ 

p 

*2 
X 

B 

tc 

a 


- 

6 

a 

Cfl 

K 


CU 

tS 

>> 

- 
B 
o 

■—i 


P 

sd 

X 

O 

.a 
H 






U 

X 

3 

— 


OK 

■J 
- 




a 
tc 

a 

- 
— 


— 

ad 

E 

i— * 
— 


B 
■— 
-. 

DO 




E 
o 

X 

P 


5 
■ 


3 

O 




o 


-a 
o 
o 

2 


.E" 
to 
a 
c 
— 


3 


X 

c3 
V 

P 


•1 

P3 


-r 
B 

E 
Ph 


B 

u 


A 


■U 


s 


r. 


-r. 


™ 


Sl, 


pq 


> 


§ 


-^ 

K- 


- 


^ 


> 


•^ 


>> 

— 


U 
O 


s 


B 


— 


"5 


-: 


•— 


•r 


ja 


H 


o 


£ 


S3 


= 


^ 


S 


■ 
o 


B 
=3 


Q 

E 


CO 


B 
— 


- 


— " 




O 


— > 


J 


— 


— 
— 


— 





£ 




•-5 


<J 


< 


r- 


Ph 


H 


^ 


o 

1-5 




z 


— 


s 

*3 


B 

3 


a 

3 

X 


— " 






■Z. 


5 


— 


a 

o 

s 


P 

o 


= 


3 
— 


B* 




=" 


3 






■ 


- 
3 


X 




V. 


X 


X 


/. 




>> 


X 




c3 

2 


/. 


r 


B 




H 


O 


O 


y 


S 


O 


O 


3 


o 


CD 







O 


o 


>> 


Bj 


— 


«s 


- 


=: 


— 


- 


- 


pq 


- 


Ph 


Ph 


pq 


»j 


pa 


— 


»J 


CO 




o 




X 


CN 


oc 




t^ 


-i 




tN 


c^ 




pa 


cr 


c 


03 


r^ 


:- 


-ri 


X 


30 


•*r 


1^ 


X 


r-» 


X 


r^- 


X 


X 


30 


oo 


x 


X 


00 


X 


S. 


oo 


X 


oo 


■ 


x 


x 


x 


X 


x 


X 


ao 


X 


■Jl 


X 


X 


QO 


00 


oc 


oc 


X 


x 


OC 


X 


EN 


r-T 


X~ 


-T 


X* 


•o 


i~ 


o 


CO 


~: 


— 
CN 


BO 

CN 




cT 


K3 

•M 




CN 


00~ 


tr; 


^ 


"3 


u 

n 


a 


>, 

s 


DO 


s 


EC 


4>a 


z 


o 




- 
— 


- 


< 


- 


i-a 


3 


4-» 

o 
C 


B 
Ha 


< 


















c 


































o 








































□ 
X 








X 
s. 


































<! 






< 






































t 


■*-J 


































■ 




















































































a 






































.X 














^J- 


CO 




















C 






> 

S 












3 


■| 


B 
O 


















o 







CD 




^r 






jj 


r^ 


o9 

"3 


















s 




00 
J. 


CQ 


- 


c 









— 


_ 










• 


• 


c 
a 




5 


• 


< 

ao 


■fi 


• - 


o 




B 


o 




Oh 

V 

P 


Q 

o 


o 

X 

< 




~ 


• 


B? 

'3 

a 

X 
X 

< 


5P 

"3 

a 

r. 

X 

< 


<u 

"3 

DO 
< 

"3 


3 


X 
X 

<J 

jy 
"3 


'3 
o 

X 
X 

< 
< 


a 

5 

rv, 

3 

X 


go 


> 

[3 
"3 

3 


c 

BO 
X 

Ph 


g 

s 
o 

Cm 

O 

.2 
"3 


BO 
X 

"3 

"3 

c 
o 

pq 


o 

-^^ 

3 
o 

X 
X 

< 

"3 


08 

'3 
o 

X 
X 

"3 

B 


C 

pq 

p 

5 


CO 

2 


fc4 

P 

1 

— 

-4-2 


eg 

3 

oo 

B 
o 

g 


'3 
o 

CO 


a 

X 
X 

< 

■-= 
o 

E 


"3 
o 

X 
X 

< 

-4J 

SB 
© 

c 

CD 

pq 


3 
pq 


as 

— 

"3 


~-fi 

3 

X 

e 


s 


o 

Si 
O 


s 


H 
o 
U 


si . 

gj 


r3 
eS 
O 

"5 


c 
o 
pq 

"3 


pq 

"5 

s 


CO 

Si 

o 

> 

< 

P 
S3 

Ph" 


<*- 
o 


0-4 

o 


X 

o 
CO 

to 


>> 

c 


o 

pq 

"3 

— 


1 

e 


i 

5 
1 


"x 

'e 


3 

a 
,d 

— 


E 

c3 

"o 

E. 
O 

— 
o 

s 


E 

eS 

X 

o 

X 
> Q 

r3 

s 


— 

e 

S 


e 

03 

5i 

c 
W 

o 


c 

B 


o 
c 
'5b 

o 
O 


M 

>^ 

p 
o 

o 
O 

o 


1 

O 

03 

o 
Ph 


S 

o 
S 

- 


"3 
o 

X 
X 

<J 

.2 
*3 
P^ 


"3 

o 

X 
X 

Cm 
.° 

"3 

P^ 


o 
o 

P4 


B 
o 

P- 

>> 

1- 
.o 

o 

p^ 


1 

© 

- 
o 

e 

03 

to 

e3 
CO 


B 
B 

3 

ad 

CO 



296 



FRATERNAL BEXEFICIARY [Dec. 31, 





















3 














, 










u 


. 


O 














o 










cu 


*^ 






> 










m 










|3 


3 


_3 


la 










a 

4) 

c 

6 

■ 
co. 


"5 


o 
P 

Ph 

"cu 

3 


00 

Q. 

*-> 
CO 


73 

o 
5 

ft 


a, 
E 


33 

PQ 

3 

.5 


O 

E 

e3 

Ph 

d 

cu 

to 


"S 

O 

3 
03 

e 

73 
O 
Pw 


CU 

>-> 

cu 

3 
o 


O 
3 
CO 

e 
& 


03 
P 

b 

_ej 


3 

Ph 






— 

3 


6 


ft* 


a 

J3 


3 


3 


o 


H 


zz 




3 






O 

O 


o3 
CO 


w 


O 

i-a 


O 

t-a 


? 


cu 

O 


»-s 


<i 


s 


33 

Ph 


cu 


























cu 








^ 










n 






fc 


CO 


03 






*j 


73 


n 








>> 


■^ 




oo 


to 


-a- 






c 
CJ 


c3 


Ih 




CU 




CU 
CO 


cu 


• 


cu 

B 

B 
>> 

CO 


_3 


EH 


• 




2 
"S3 


co 

00 


CD 




ft 

CO 


„ 


00 

3 


<u 


^ 


3 


O 

3 
03 
73 

"oj 


if 




9) 


d 

o 

H 

PQ 

J3 


Ph 


s-T 
c3 


^03 

5 


"o 
E 

03 

o 


w 

cJ 

cu 


— 
Ph 

6 
.3 


's: 

c3 
E 


1^ 

CO 


o 

Ih 

o 
s 






ft 
09 

CO 

O 


cu 


w 


CU 


»^5 


tD 

Ih 

o 


ft 
o 


o 

o3 


CO 

03 


73 


cu 


eJ 






O 
Ph 


w 


O 
Ph 


H 


CU 




o 


03 

l-H 


^3 

o 


03 

P 


£ 


s 














to" 


















"3 

o 

o 


• 


.2? 


• 


73 
M 

c2 

73 


"ol 
El. 

CO 


• 


3 
O 

ft 

s 

c3 


• 


cu 

CO 


cu 

CO 


cu 


73" 

c2 
73 


£ 

o 

O 
i 


i-3 


a 


>• 


3 


cu 

pq 


cu 


CU 




cu 

-3 


cu 


CO 

cu 


CD 

PQ 




o 

43 

CO 


cu 

S 


"cu 


* 


e 

E 


CO 

"cu 


U 


3 

3 


O 

3 


*CJ 


o 

Ih 
O 


is 




O 
PQ 


o 

CO 


o 


cu 


3 

H 


O 


o 




5 


£ 


cu 


1 




OS 


<M 


t^ 


OS 


CO 


OS 


C5 


CM 


OS 


CO 


OS 


CO 




T3 


CO 


CO 


CO 


CO 


CO 


CO 


CO 


CO 


CO 


00 


CO 


CO 




2 


oo 


00 


CO 


CO 


oo 


00 


CO 


CO 


CO 


CO 


CO 


CO 


c 


o 
c 

Q 


oo~ 

.— 1 


CM 


of 

CM 


- 


- 


^o 


oo" 


t^r 


t>r 


crT 

CM 


co" 

CM 


rn 




o 


ft 

< 


a 

03 


> 

o 


si 

03 

2 


o 


a 

03 


ft 
< 


•-9 


3 


ft 
< 


3 
03 
1-8 



cu 

p 


P3 




























< 




























H 




• 






o 


>> 

# cu 
°3 
o 
co 


Ph 












6^ 

CD 

'0 
O 

CO 

■M 

3 

CJ 






• 






CO 

[3 

"o 

«a 


>> 

Si 

03 
Jh 

CU 


6 
















s 






CD 

3 


3 


lO 














> 










cu 




CO 












cu 






00 






pq 


•a 


*J 












3 






o 








S 


CO 












CD 






pq 






73 

3 


cu 
"o 


O 

Pm 












PQ 




a 


cu 
13 

00 

3 


o 


a 
.2 


03 

cu 

o 

a 
cu 


> 
O 
3 
CU 

PQ 


3 




o 


3 

_o 

.2 


3 

S3 


d 


73 

3 
c3 

cu 

CJ 

E 




•—. 


3 


+a 


_o8 




cu 

CJ 


"3 

o 

CO 
00 

< 




T3 
* 


o 

CO 


'o 


_o 


g 




< 


CO 


.2 
'o 
o 

CO 


o 

CO 
CO 


CO 

JO 

< 


a 
cu 

e 




"o 

o 

CO 

CO 


CO 

HH 


o 

CO 
CO 

< 


3 

o 


cu 
ft 

a 






d 

o 

CJ 

0) 

CO 

03 

73 

J3 

ft 

cu 

00 

5 


CO 

Cm 

Pi 

CD 

"o 

ft 

J2 


CD 

a 

CD 

PQ 

"to 

a 

03 

e 

V 

"S 


Is 
o 
EH 

o 

.a 
"3 
o 

CU 
CJ 

c 
cu 
E 


CO 

< 

O 

H 

6 

Ph 
00 

v> 


4-> 

QJ 

3 
cu 
PQ 

Q. 
O 
E 

— 
3 

8 


CO 

U 

cu 

> 
3 

o 

CO 

cu 

73 


cu 
3 
CD 

PQ 

3 
E 
cu 
-«-» 
03 
E 
&- 


o 

"cu 

Ph 

JO 

"s 
rt 

s 

cu 

Ih 
03 
CO 


CB 
cu 
3 
CD 

PQ 

13 

3 
3 

2 
ki 

CJ 
CO 


CO 

CO 

< 

Cm 
CU 

"cu 
Ph 
a> 

CJ 

"o 

Ph 

u 
S 


cu 
H 
•4-3 

a 

03 

•t-i 

CO 

03 



Ih 
ft 
00 

3 

03 








>• 


Cm 


ft 

c3 


•~ 


o 


3 


cu 


cu 


CO 


to 

3 
3 
O 






3 
°cj 


cu 

S 


o 

CO 

a 


S3 


O 
o 


3 

"b 

13 


cu 
E 
E 

c3 


h3 
CJ 

3 


o 

3 


cu 

CJ 
Ih 

O 




1 


o 

CO 


o 

CO 


o 

CO 


CO 


4-> 

CO 


— 


^ 


£ 


5 


£ 



1889.] 



ASSOCIATIONS. 



297 









co 


• 


CO 


<M 


^ 


C 


8 








o 




or 


nn 


S 


-1 


<» 


H 


^ 




»»a 




c 




s 








<D 




"*o 




« 




£ 







eo 


CO 


pM 


CO 


eo 




Tl< 


O 


o 


CO 


CO 


lO 




CO 


•6881 




CM 


»-H 




T* 


1 




t-H 


I— 1 






l-H 


i 


eo 


a] Btnvea 






























ember- 
ship 
.31,1889. 


CM 


o 


CO 


1—1 


-* 


Cj 


CO 


CO 


eo 


-h 


_ 


,_, 


CM 


t^ 


Z 


eo 


•*f 


»co 


CO 


•t" 


o 


o 


CM 


CM 


CM 


CO 


OS 


CD 


°1 

•— > 


CM 


1—1 


co_ 

t— 1 


CO 




CO 


i— 1 


^H 


CM 


CO 


I— 






























i-H 


<— y 






























« 4> 






























- 






























, 


OS 


CO 


o 


f^ 


Cs 


_, 


r^ 


T* 


-f 


cN 


co 


CD 


-HH 


>co 


u q5 


— 


r^ 


CO 


t^. 


t^. 


CO 


OS 


CM 




CO 


CM 


-H 


CI 


co 


^* .-. i-* 
fl ft # 


CM 


co^ 


CO 


1—1 


CD 


rt 


■^ 


CO 


""1, 


— 


CM 


«3 


CO 


cq^ 


S -g eo 




•—• 






cm" 




co" 




•—i 










o" 






























l-H 


--. c3 






























»*; 5 






























Q 






























CJ 


r-l 


*0 


Tt> 


eo 


eo 


eo 


itt 


lO 


CD 


Oi 


1^ 


_ 


CO 


»C0 




CO 


CM 


CM 


CO 


^-t 


Ci 




rf 


o 


CD 


CO 


co 


Tt* 


00 — 


T* 


eo 


t^ 


t^ 


"*!. 




o^ 




t-- 


»o 


OS 


lO^ 


CM 


CJ 


V 

CO ■— 


€fr 


Ci 






co" 




co" 


cm" 


co" 


l-H 




cm" 




_- 


en cc 




t—> 














i— i 










CO 


< 6 




























t»= 


o 






























- 


































u 

CJ 


CM 


r-t 


OS 


_ 


CD 


>o 


CO 


.—1 


-* 


>o 


Cs 


CD 


ico 


CD 




*C 


r^. 


<* 


CD 


O 


CM 


CD 


r^. 


CD 


CM 


OS 


CD 


!-H 


CD 




JS 




CO 


CN 




CO 


UO 




CM 


CO 






CO 


CO 


CD^ 


oo 


o 


©^ 


_T 






^S 


t— I 


o" 












ico" 


co" 
















«3 














CD 


5 

D 


<; 




























€fr 


H 






























































a 


en so 
CJ a 


eo 


h- 


CO 


■* 


eo 


CM 


CO 


Oi 


co 


C75 


CO 


t^ 


t^ 


eo 


■HH 


*o 


CO 


CD 


CO 


CO 


CO 


CO 


"•* 


CJ 


r» 


t^ 


rj< 


CO 


r^ 


°i 


o 


CO 


o 


o_ 


CD 




CM 


CO 


CO 


CD 




IO 


oo *-r 


€^ 




























■s. 


o °s 


©' 


r-T 


l-H 


HJ 


cm" 


t-T 


CO 


i-^ 






CO 


CM 


o" 


» 






CO 






CO 




CM 














CO 




c 




CO 


CO 


i— 1 


, 


_^ 


C3S 


eo 


, 


-f 


o 


"* 


t~- 


CO 






o 


I— < 


T* 


C"i 


<N 


*# 


t^ 


co 


CO 


OJ 


1^ 


«3 


CO 








1-^ 






o_ 


"^ 


CD 




CD 






l-H 


"^ 


CD 


1 


•g 


l 


^ 






eo" 


i-H 


rS 












»o" 


co" 


3 














lO 














CO 


2 
































a 


00 


^ 


CO 


OS 


t— 


«M 


Ci 


CO 


CD 


O 


CO 


_, 


CO 


CO 


CO 


a 


= 


CI 


t~- 


O 


f— 1 


t^- 


r^ 


CO 


O 


t^ 


oo 


o 


CO 


*o 


t« 


o 
o 


CO 


^l 


"^1 


"* 


Tt^ 


o_ 


°1 


CO^ 


IC^ 


CM 


t— 


CD^ 


CO 


»o 


i 


<^ 


T* 


t-T 


^4" 


co" 


cm" 


co" 


eo" 


eo" 






Ci 


^_" 


cm" 


z 


00 




CO 






CO 




CO 




^-i 










Ci 




00 
V 

00 
00 

< 




























l-H 


1 




IT2 


o 


eo 


o 


eo 


t- 


l-H 


CO 


CM 


CM 


CO 


CM 


o 


CO 




i— t 


CM 


CO 


o 


oo 


1— 1 


.— < 


Oi 


O 


CO 


»ra 


l-H 


^H 


CO 


2 S 


CD 


»o 


»o 


CD 


t-. 




o_ 


CD 


CD^ 


1(0^ 


OS 


© 


eo 


co_ 


CJ 


۩= 


co" 






CD 




co" 




F— 1 


1— 1 




cm" 




Oi 


« CO 




i— ( 














I— 1 










-*l 


"< e3 




























m 


CJ 




























































'— * 
































• 


• 


• 




• 


• 






' 








• 














co" 






























■*J 




























































o 






























CO 






















































































































































CJ 






























e3 






























CO 
CO 


^f 




















. 


• 


* 




a 


3 


. 




. 








• 














a 


3 


















2 






m 




3 


'E3 
o 


m 




cT 












u 


<B 


_o 






-u 

c 


<J 






p 








4i" 

3 




o 

03 


o 

3 

CJ 


3 
o 

co 


. 




CJ 

o 


T3 

3 






o 

CO 

03 








CD 

12 




6h 

O 


C3 
2 






<4-l 

o 


e3 


3 
CD 




2 

CO 








'3 
ej 

<1 




K 
S 
■^ 


"3 
3 

3 

o 

"a 

o 

OS 

e3 

3 
O 
-l-i 

OQ 

O 

pq 


CO 

— 
O 
CO 


o 

CO 




.2 

3 
3 

s 

'5 

o 

CO 

2 


03 

CD 


*3 

CJ 

<1 


cT 


CO 

3 


CJ" 

'3 






o 






*\ 


3 
,3 
a 
e3 

CO 
CO 

c5 

3 
*h 
cu 

CO 

c3 


c3 

>> 

-^> 

3 
3 
O 

D 

X 

cj 

CO 
CO 

m 


CJ 

'3 

o 

CO 

03 
2 

o 

o 

e3 


"el 

3 

_o 

o3 

'b 

O 

CO 

03 

2 


"el 

8 
U 
<D 

"ct 

"co 
B 
O 

CO 

03 


'3 
o 

CO 

e3 

s 

(H 
<1 

.3 

5 


,3 
CJ 
03 
CO 
CO 

03 

3 

o 
,8 

3 
O 


o 

CO 

03 

s 

<D 
!h 
O 

^3 
CO 

.8 

3 
o 

CO 


cj" 

3 
O 

CO 

o3 

3 

co 


^ci" 

'3 
o 

CO 

e3 

l-H 
<=i 

3 

'3 


CO 

03 

CO 
CJ 

03 
-w 
CO 

OJ 

'3 





298 



FRATERNAL BENEFICIARY [Dec. 31, 



as 



.2 
°-£ 
a 
o 
O 



6 
1-1 

H 







cm 


:c 


t^ 


CO 


|Q 




i— i 


eo 


CO 




CO 


h~ 


■^> 




CO 


00 


6881 












1 




,— ' 




I 




CO 


^^ 


1 






0| »qi 








• 


























i 




co 


U3 


CO 


^ 


o 


co 


CM 


•* 


30 


o 


■* 


00 


CO 


, 


00 


CO 


QO 




•a 


■* 


CO 




O 


1^ 




t^ 


CD 


o 


IQ 


l^ 


CS 




r— 1 


CM 


• — ' 


o 


CO 


CM 


i—i 


CO 


1—1 




CM 


eo 


CM^ 




■* 


co_ 


= 3 « 








10" 
















cm" 


i—i 






CM 


jj •. 
































i-H 


— o 

4 (U 


































Q 


































, 


eo 


^ 


30 


eo 


1—1 


i— < 


:t 


- 


h» 


OO 


CO 


CO 


t^ 




00 


1— t 


u 


CO 


-M 


CM 


t»» 


CO 


co 


O 




r^ 


1— I 


co 


IQ 


CN 




t^ 


CN 


9? ** " 


'—' 


CO 


•"" ' 


90 


CO 


CN 


— • 


t^ 


•— < 




CM 


TJ^ 


CM_ 




iO 


°i. 


a 3 « 








eo" 
















cm" 


i—i 


1 







o * 
































1— i 


S I 


































_^ 




































































si 


CO 


^_ 


IQ 


00 


o 


OS 


'O 


CN 


CS 


_, 


iC 


U3 


h~ 




CM 


IQ 




o 


CS 


OS 


CO 


1—1 


l- 


CM 


l^ 


CO 


1— 1 


co 


^ 






it 


t>. 


3 45 


CM 


t^ 


^H 


"*!. 


CO 


»re 


O) 


C5S 


CM 




OS 


CS^ 


CN 




Ttl 


00 


o 

00 ^H 


۩= 






tC 


_r 














oo" 


co" 


1 


CM 


O" 


00 CO 
































ire 


< : 
































€^ 


a 


































Q 






































u 

8) 


X 


00 


t^ 


t^ 


f^ 


i— < 


00 


O) 


CM 


CO 


'O 


h- 


cc 


Ol 


IQ 


i~ 




CM 


o 


■V 


«a 


o 


CO 




CN 


CM 




OS 


•re 


oo 




CO 


1— < 






s& 


CM 




CM 


CM 






<* 






1— 1 


CS 


1-^ 


Ire 


00 


CS 








































O 








CO 
















CM 








N 


a 










CO 
























— * 


S 


1^ 
































<§^ 


H 




































3 

H 

Pk 


00 00 

s a 


m 


cs 


"* 


_, 


CO 




(M 


CM 


CO 




o 


O 


o 


r^ 


-M 


"* 


CO 


CO 


f". 


o 


t^ 




o 


CO 


CM 




o 


o 


o 


o 


CS 


i-H 




i>- 


00 


o_ 


1— 1 






co^ 


o 




CO 


o 


o^ 




|Q 


1—1 


00 — 


€fr 










1 






















X 


.2 


T* 




eo" 


CO 






cm" 






CO 


eo 


rj"" 




CS 


•re 


W 


Hi B 

^ OS 








CM 
















o 


i— I 






CM 

5^- 






-* 


CM 


CO 


o 


OS 


CO 


o 


t^ 


"* 




>re 


o 


i—i 


00 


t^- 


CO 




7. 






CM 


f— 1 


CO 


CO 


CO 


1— < 




00 


"* 


Tt< 


.— > 


t^. 


■ ~ 












CO^ 


•-H 














o 


00 


iO 




■^f 


• 


o 








CO" 












1 




tH - ' 








cm" 


I 


^ 








CO 


























g 






































































H 


w 


CN 


CM 


"* 


,—1 


"* 


<M 


"* 


C5 


CO 




00 


o 


CO 


^H 


o 


cz 




a 


CS 


T 1 


1—1 


oo 


OS 


C-l 


r—i 


CS 


CM 




o 


co 


CM 


o 


t^ 


CS 


O 


CM 




t^ 


o^ 


°i 




1— 1 


cq^ 


•re 




°°„ 


o_ 


°i 




CM 


00 


i 


€& 


TjT 




co" 


CM 






cm" 




1 


cm" 


cm" 


t~~T 




rS 


_r 


i£ 


00 








:m 








1—1 








ire 








co 


hH 


00 

<D 

OO 
00 

< 
































1— 1 




CO 

CO 

- CO 


CO 


CO 


CO 


CO 


© 


Tt< 


1—1 


OS 


t^ 


** 


oo 


CM 


CO 




t~~ 


CO 


o 


CO 


cs 


CM 


CO 


ire 


OS 


oo 


r-- 


1— 1 


co 


CO 


co 




oi 


■re 


.2 S 


I— c 


o 


CO 


I— 1 


oo^ 


•re 


I— 1 


OS 


CM 




CM_ 


co^ 


co^ 




i~ 


•re 


ID __£ 


۩= 


.— T 




CO 


1— 1 












I— 1 


cs" 


co" 


1 


rH 


* 


00 CO 
























1— 1 








-H 


-1 o 
































<& 


CJ 




































































HI 


























































£ 


































as 


*— 


























^ 






"o3 


3 


fc 








_ 


. 




. 


C 


. 




# 


a 


& 


. 


> 


3 

o 


— 

c 


. 




E- 


• 


• 


• 


-4-T 


o 

co 

^co 

.a 


of 

CD 
M 


cp 
co 

as 

M 

O 


o 


o 
■»-» 
as 

CJ 

c 

"> 

o 


3 

as 

CO 
CO 


aT 
to 

a 


as 

> 

d 

3 


o 

u 

as 

CO 

as 

o 

i- 
o 


"ej 
o 

-d 

s 


• 




3 
o 

03 

o 


• 


• 


• 


c 

'o 
o 


cp 

CJ 

a 

cu 


O 

C 


Q 

o 

a 

as 


CC 
as 

c 

o 


Ph 

ca 

as 

c 

as 


w 

en 
as 
3 
as 


03 

o 

CO 

"as 


O 

o 

.2 


as 
"as 


X3 
-i-> 

03 

CJ 

w 


3" 
O 

"S 

p 






"5 




3 
as 

3 


"3 

a 

H 


c3 


QQ 


03 


e3 


03 


cq 

03 


i-H 

03 


03 


03 


"3 

3 


as 
> 

as 




< 


as 


*co 


'> 


0) 


{Si 


p 





fl 


3 


3 


3 


3 


3 


O 




>-, 
Ph 




fc 


5 


o 


(9 
C3 


•*-» 
3 


3 




d 


*-> 

3 


3 


-t-s 

3 


4-> 

3 


<-< 
3 


'■*2 
03 






« 


_o 


Ph 






s 




a 


2 


— < 
(«3 


S 




^ 


^ 






O 


*CJ 


a 

a 


ao 


00 


CO 


CO 


CO 


CO 


CO 


CO 


CO 


CO 


CO 


CO 






tS 


tf 


£ 


* 


■c 


£ 


> 


^ 


* 


^ 


^ 


^ 






CO 

c 


-d 


60 


O 


o 


O 


^O 


o 


O 


O 


O 


O 


O 


O 









T3 






























as 


R 






























•^ 


o 


as 


CO 


<U 


as 


OS 


as 


as 


as 


as 


as 


as 


as 






to. 

3 


w 


b 


h 


b 


Uh 


b 


b 


h 


b 


b 


b 


fe 


b 






* 


-a 


TS 


»d 


>d 


-o 


T3 


r3 


T3 


r3 


T3 


T3 


73 






oa 


>-, 


OS 


T3 


13 


-a 


T3 


-a 


t3 


r3 


T3 


'O 


T3 


^ 


r3 








P 


hJ 


fe 


O 


o 


O 


O 


O 


O 


o 


o 


O 


O 


o 


O 





1889.] ASSOCIATIONS. 299 



0? 


— 


,_ . 


pH 


— < 


i—i 




0) 


>o 


O 










CO 


CO 




TT 




01 


to 








CC 






->\ 


-M 












IQ 


-* 








CO 


r^ 












1 


01 






1 


1 


1 


1 


CO 


t-^ 


1 




1 




t^ 


3 


-* 




CO 


00 


00 


Ol 


t-~ 


1— 1 


OJ 


,_, 


h~ 


O 


O 


co 


co 


00 


co 


ICS 


■ ~ 


= 


— 


i 


r^ 


1- 


r^ 


as 


CM 


-f 


co 






CO 


'O 


CM 


CM 


CM 


co 


•«*< 


i - 


o-i 


I— 1 


1— c 





O 





1 - 






CM 




CS 


t^ 




1— 1 




CM 










































Ol 








CO 






1^ 




IO 










OJ 










t^ 


^ 








1—1 






C^l 
















CO 










CO 


M 




QO 





_ 


1 


CO 


iO 


■to 




CO 


t>« 


O 


co 


t-- 




Ol 




t^ 


1^ 


O) 




(M 


CO 


t-~ 


00 


CD 


C5 


OS 




CO 




rf 


cs 










CO 


CM 


:? 




1— 1 






CO 


CO 





CO 






-M 




t^- 


-r 




1—1 




Tt^ 






1 
















1 












| 




| 




CM 








— 






01 


1— < 













t^ 


>o 








co" 


CO 








IM 






CM 














TP 


01 










CO 


CS 


CO 


Ifl 


-" 


CO 


oa 


>^ 


iO 


C75 


-M 


rr 


O 


Q 


CM 


Cs 


O 


CO 


co 


10 


QC 


l~ 


CO 


~i 


00 


Ol 


CO 


-1 




O 


rr 


.0 


CM 




<* 


SO 


1— ( 


-+l 




r^ 


00 


— 


CM 


CO 


h» 


CO 




cvi 


01 


TJ< 




CO 


1— c 




-f 


co 




N 




o_ 










































(M 








CO 






00 


■- 


CO 










Cs 


-f 




1—1 




00" 


CO 








1— 1 






•- ' 














-^ 


Ol 










3» 








































n* 




r^ 


O 


co 








t^ 


O 


<~ 


l-~ 





CS 


O 


r 


CO 


co 


CS 


t^ 





CM 


Ol 


01 


35 


■>*« 


co 


co 


•Q 


-v 


cC 





CO 


t~~ 


cjo 


O 





CO 





i—< 


10 


CO 


CO 


t^. 


CO 


co 




co 


O 


~r 


co 


y—t 






1—1 


CS 


>~ 




>o 


1—1 


co 










































co 


7\ 






00 






— ' 


CO 


>o 










CO 


1^ 








r^ 


«c 








1— 1 






Ol 














CO 


iC 








Tt< ' 


e& 








































co 


,_, 


us 


Uj 


co 


t^ 




CO 














ia 





r~ 




t^ 




O 


co 


pa 


CM 


O 





r~ 




01 


«o 
















-^ 








co 


Cs 


CO 


CO 


CM 


— i 






co 


CO 











1— 1 





CO 




»o 




©^ 














1 








1 


1 


| 








1 




1 




cc 


— 






— ■ 






C? 


r^- 


CS 










10 


pm+ 








co" 


-t« 








i- 






CO 


t*< 


l—l 










CO 


Ol 








IO 


tN 








■—1 






Tf< 




— • 










l^. 


-*_ 










tN 






























co" 










& 








































CO 


o 


r^ 


CS 


-m 


01 


co 


-H 


CO 


00 


--I 


1 — 







01 


•—< 


co 











co 


cs 


|Q 


O 


CO 


■<*< 


1 - 


01 


01 





-r 


Oi 







01 


'O 


«* 


CO 


01 


1 - 


o 


i ; 


cs 


OS 


<M 




CO 


10 


Tt< 





CM 


^^ 




CO 


co 


-* 1 




00 


1— 1 


Ol 










































i-^ 


CM 






t^ 






rf» 


CO 


CO 










■M 











00 


CO 








1— 1 






CM 














rfi 


CO 








Tt< 


8» 








































T* 


eg 


CO 




CO 


1— 




CO 





CM 










CS 


1.0 




CO 




IQ 


«o 


CM 


co 




GO 







co 


CM 


CO 










CO 


IQ 








^H 


"*- 


CS 


M 




O 


1—1 




•0 


-M 













•* 


>o 




EN 




O 








| 






1 








| 




| 


1 






1 




1 




ta 


i—l 






CO 






CM 


CO 


as 




1 






CS 


1 — 








CO 


CS 








00 






■~s> 


T»i 


1— ' 










On) 


1—1 








>o 


Tj^ 








-1 






^ 




.— 1 










t^ 


Tt< 










oT 






























co" 










©^ 








































CM 


M 




1— 1 





O 


CO 


l~- 


CC 


CO 







cs 


CS 


O 






CM 







• 


Ol 






l^ 


cs 


CM 


Tf< 


CO 


-h 




CM 


Cs 


Cs 




r^ 




t^ 




Tt< 


CS 


cm 




CO 


«o 


CM 




CM 


■^ 


Cl 




CO 


CM 




co 


— 1 




1— 1 




■* 






1 
















| 












1 




l 




o 








CO 






-* 
















?— 1 


r^ 




1—1 




■* 


1-^ 














CM 














CM 


OJ 










CM 








































€& 
















































* 








































rr. 
CO 












CD 




















*^ 


• 


• 


• 


S3 


• 


• 


• 


. 


• 


E 

CD 


. 


CO 


. 


* 

CD 


•. 


• 


• 


• 


cd" 


'3 






CO 











„ 




H 




CD 

CO 




to 




„ 






bo 

T3 


c 
3 
o 
O 

a 

a> 
m 

a. 

s 

CO 
s-T 

o 
3 
o 

w 

Cm 

o 

3 
o 

"to 

o 

d 

e3 
CD 


• 


• 


6 

d 

.2 
'55 




tc 

^3 
O 
l-H 

d 


• 


CD 

tc 

O 


d 
.2 


c 

CD 

a 
08 


• 


d 

CO 

X 


• 


03 
co 
co 
03 

3 


CD 

tc 

3 


O 

CD 
3 
p 


CD 


-3 

■-< 

3 

H-» 

3 


• 


• 


O 

vA 

Ph 
3 
00 


"5 

P 
O 

5 
'a 

O 
d 

CD 

'£ 
CD 

3 


as 

a 
43 

o 

<a 

-m 

o 
CD 

<m 

o 

o 
73 


d 

03 

CD 

3 

a 


s 

aT 
P 

'5 
•— 
CD 

,Q 

B 

C>-| 


<a 

O 

3 

.2 

*o 

d 


c 

B 


'2 

D 



E- 

CD 

T3 

S-i 

O 
-m 

d 

.2 
'3 

d 


co 

>, 

Ph 

(m 

O 

CO 

.to 

£ 

u 

<u 

*i 
d 

s 


s 

CD 

•~ 
O, 
P 

CO 

CO 

2 

>-. 

Ph 

Cm 
O 
CO 
CD 

"c3 

>■ 

CD 

X3 


P 

CD 

s 

CD 
(-1 
Oh 

CO 

a" 
_o 

'c 

'•< 

CD 

.O 

a 
cr 1 


CD 

g 

a 

S. 
3 
CO 

CD 

C«l 

d 

.2 

< 

CD 

d 

CD 

O 




d 
3 

O 

CD 

s 

CD 

O. 

CO 

CD 

CJ 
S-( 



CD 

s 




3 

d 

■-*-■ 


CO 
CD 

ccs 

12 
5 

CO 

> 

CD 

.3 
O 


d 



'3 

p 

"c3 

d 

M 

CD 

ec? 
Eh 

d 

d 

CD 

Ph 
CD 

d 

l—l 


<M 
O 
CO 

H 
CD 

-m 
O 

PQ 

CO 

>> 

s 

«4-l 



(H 

CD 

5 

T3 


CD 

O 

H-> 

CO 

tl-H 

O 

CO 

3 
O 
CO 

Eh 
CD 

r3 

O 

3 
CD 

3 
CD 
Ph 
CD 


3 
CO 



3 
O 

w 

<H— 1 

O 

co 

CD 

"3 

^ 

T3 
3 

03 

CO 
-w 

^3 

to 

'5 


tc 



CD 

a 

H 
Ph 

3 
CO 

eT 


3 
O 

w 

Cm 
O 

CO 

-M 

XI 
"S 


"co 

Eh 

C3 

■pn 

a 

CD 

H 



O 

CO 

H-H 
H^ 

CD 

CO 

3 
,3 

CD 

«3 

CO 
CO 

c3 


d 


i> 

CD 

3 
CD 

pq 

'a 

CD 

d 
P 

CO 

-M 
CD 
CO 

d 

MH 
O 

03 

CO 
CO 

03 


Eh 
CO 

3 

'd 
3 
1— 1 

Cm 
O 

CD 
5 

-d 

3 

03 

To 

3 
CD 


_o 
"5 

CD 

-M 
O 
M 

Ph 

Cm 
O 

s 

-d 

Eh 
O 

T3 

d 

To 

3 

CD 


^ 


<1 


< 


<j 


<J 


W 


O 


H 


O 


w 


3 

1— 1 


3 

l—l 


3 
»—i 


M 


I^H 


s 


s 


J5 


55 



300 



FRATERNAL BENEFICIARY [Dec. 31, 







HI s 


HV**Q 






_: 


- 


— 




a 






j. 










A 







s a s 



G> CO 

i—i 



t^coco- , *--r-^rocieococo'0©**ico 
«o © oo -f — c^r oa ~^cn©co«o~h©io 

^h CO Ci>— it»i— ii— lO^O^CO 

t-*" <M~ I-" N iO p*" JO r-T 

CM © ■— c ^* ^ 



CO O 

o o 

25 i~ 



oc 


to 


to 


CO 


tN 


© 


o 


Oi 




i— 1 












© 




*»" 






00 




l-H 






00 


(M 


as 


00 


■»f 


1 - 


o 


© 




Ol 


1^ 


«5 




© 


CO 












o 


t^ 


l^ 






00 











©-hi© 
f CO -h 

CO CO t-~ 



to J*j 



/ : 3 



© o — 

1^ © © 

10*0 

*& l-H IO 



oo -* oo 
iq o B 

-h CO <M 



T3 

o 

d 
a 



o 



CN 

6 

H 



-« 5 



CO 


iO 


i© 


o 


CO 


C7i 


CO 


© 


o 


00 


00 


"* 


© 


iO 


o 






OJ 


€^ 


CO 


CO 






CO 



o 


o 


o 


■<f 


o 


us 


CO 


40 


© 



€& =0 



h~ 


tH 


o 


■—i 


00 


CO 


CO 


CO 


CO 


«o 




CO 


© 


iO 


co 


CM 




CO 


CO 


CO 


T* 


CM 


■«»< 


o 


© 


r— 1 


CO 




















IO 


CM 


00 






CN 


CM 




o 


CO 


l-H 


CM 








CM 






CO 


-M 


© 


CO 


o 


CO 


,_, 


03 


o 


CN 


t»- 


o 


o 


CO 


*o 


i— » 


"<# 


© 


«o 


oc 


■V 




t^ 


CO 


CO 


© 


(M 




















CO 


l-H 


»o 






CO 


© 




CO 


-*< 


l-H 


© 






CM 


— H 




Tt< 


I— ' 




CM 








CM 




l-H" 



3 



r-l cm r^ © © 
r^ i— < © -w co 

.— CO CN .-H i-H 



r— ■ 


•* 


© 




<& 








t^~ 


© 


t-~ 


© 


oo 


-H 


00 




^f 


© 


l-H 


00 


















m= 


CO 







CO i— I 00 © 

00 s ffi ■* 

»0 iO © IO 

t^T rH i-T CM*" 
CM 



' *? 



c 

CO 



r —" ' 



© 



© co 
co t^. 

© 



03 CO 



CO CM 00 
00 t^. - CM 
CM — • .-h 



h~ 


CO 


— i 


© 


IM 


CM 


oo 


M< 


CM 


© 


iO 


t^ 



© rj« 
QO © 
CO CM 



So 



o 



CD "*- 

s CO 
co PS 



o 



S .2 



C 



T3 
P 
-h 

p 
W 



b 

B 
o 



*« 
:£ 






* -3 



«B 1 

o B 
S CO 



O 
Si 

o 

to 



5 *r fc 

S P 

ti CO «M 



<1 J 






.2 



S c 



s 



^3 

o 



a 

Cm 
O 
H 



O 

►> 

o 

a 

o 
PQ 

Q 
3 



> — 



B 
CO 



to 


OS 





h-1 


o 
O 


c 


CD 


cS 


E 

CO 


CO 

J3 


Ph 


to 




c 


CO 


« 



o 
to 

O 

CJ 



> Ch 



o 

p 
r 
o 
U 



OS & 3 



z 
o 



^ 

= 
o 



B3 

E 

'5 <*> 



£ S 



D. 
S 
CO 



5c 



p 
d 



o 

O 

d 

3 
CO 



o 

p 

cu 

o 

o 

co 



c *- C 



cvC 

'- 1 -O — 



* r:* o o 



> o 



3 
PUi 






CO CO 

PS CS 



o 



c 


o 


o 


o 


o 


CO 


^™ 


^— 


rt 


ci 


>, 


>> 


O 


o 


i— i 


PS 



co co 



9 



^3 

eS 

-d 
O 



P 
CO 

CO 

T3 
P 






O 

O 

p 

CO 






bo 



& j w 






C 



o o 

'-I ii 

CO CO 

T3 T3 

— H 

o o 

^3 



r« o; *j 



o 



o 
X 



B 
o 
CO 



c c 



P B 



188D.] 



ASSOCIATIONS. 



301 





as 




cm 


1-H 


,_! 


r^ 


00 


i— i 






CO 


PH 


1— 1 


o 






CM 




CM 




£ 








1-H 


*— t 
















t— i 












1 




1 














i 


i 










1 


1 




1 






T»T 






































o 


_ 


,__ 


iro 


^H 


CM 


CM 


o 


OS 


CO 


,_, 


OJ 


lO 


OS 


CM 


CM 


co 


CM 


t-- 


CO 


<m 


t^ 


XI 


OS 


OS 


•o 


-M 


b- 


t". 


•c 


•CO 


. — 1 


CO 


CO 


5* 


CM 


■* 


CS 


co 


(M 


1-H 


oo" 

I- 


Tf> 




1— < 


r— 1 


00 


t— i 


eo 


^ 




r-H 




*—> 


O 








r-H 


r-H 




_, 




CO 


<M 


eo 


CO 


CO 






^ 


00 


o 


»o 


o 




O 


eo 




OO 




CS 




CO 


O 


o 


OS 


C5 






TJ< 




co 




ico 




UO 


OS 




CO 




©_ 






CM 


co_ 


t^ 


■— • 








'-' 




1— 1 


o 










l-H 


1 


CO 


1 






i— i 






1 


1 










1— 1 


1 






1 






TH 






































eo 


-+. 


p-H 


ira 


^_ 


os 


CM 


<Ji 


Ci 


ico 


eo 


o 


r^ 


CM 


«a 


co 


t^ 


CM 


CO 


-* 


CM 


CO 


eo 


00 


1^ 


IM 


CM 


o 


cM 


C5 


«S 


CO 


C5 




CM 


■o 


r^ 


O 


co 


1-H 


•— i 


Tf 


oo 


■— i 


US 


CO 


US 


Oi 


CM 


t^. 


c^ 


t— 1 


Ci 


r^ 


CM 


Tf< 


lO 


-* 


CO 














































o 


ef 




m 


>o 


CM 




rf 


■T 1 






■<*< 




»— * 


■— 1 












S2 


/.► 




















t— 1 


















X 








































^ 






































, 


^h 


o 


CS 


•a 


eo 


CO 


•o 


r« 


N 


r. 


CO 


-* 


o 


^i 


00 


i — i 


00 


t^. 


r-H 


00 


co 


-N 




OS 


■** 


co 


00 


o 


o 


'7 


CO 


I— 1 




5f 


•>. 


•— i 


t-H 


■* 


CO 




eo 


CM 




i— i 


-v 


■**• 


CO 


■* 










C5 


O 








co 






co 


۩> 






















^H~ 


^h" 














tN 








































Tf 








































§©- 






































o 


eo 


00 




00 


■** 


•—> 


CO 


— ■ 




o 


oc 


CO 


co 


OS 


Tf 




o 




CO 


eo 


t-^ 


r^- 




"S< 


© 


•CO 


oo 


ira 




CM 


co 


Ol 




t~» 






^~- 




■<*< 




T*« 


os 




r-H 


eo^ 


Tf 


CM 


i^ 






CO 


OS 


CM 


-+i 






eo 




CM 






€& 


■ 


























I 




I 






53 






co" 


CO 


o 


i— i 








•— < 




o 














CM 










CN 
















p-l 














eo 








































o" 
















































































^ 








































o 


■* 


CO 




OS 


CO 


i— " 


o 


00 


eo 


CM 


CM 


r^ 


>~ 


eo 


o 


£ 


r— 


r-H 


CO 


»o 


CM 


o 




O 


r^ 


T* 


r-* 


CO 


r-~ 


eo 


eo 


CM 


O 


o 


— 


i-H 


OO 




i-H 


eo" 
co 


U3 

<>" 


i 


CO 


ao" 


CO 


00 


oq_ 


pa 
cm" 


©_ 




cm" 


cm" 


i— i 


co 

1— 1 






CS 




© 


r^- 


00 


i— i 




o 


^ 


1^ 


CM 


•»t< 




oo 




oo 


■M 






o 




oo 


CS 


eo 


t^ 


CO 




CO 


CO 


CM 


CM 


CM 




~-l 




eo 


US 






r^ 




co 




^ 


OS 






r^ 




■*! 


»o 


it 




rt< 




r— i 


T* 






eo 




CM 






^ 
















i 




1 






1 


i 
















oo 


f 


ta 


^^ 


CM 
























r— 










CM 
















1-H 














oo 








































©~ 
















































































m> 










































t~~ 




^f 


•H« 


o 


■* 


C5 








Tf 


3C 




o 




CM 


Tf« 




co 




eo 




eo 


o 


•** 


CO 


CO 








■* 


o 




CS 




CS 


o 




rfi 




05 




—i 


co 


co^ 


°1 


CO 








t— 1 


o_ 




1-H 




Tf 


Ttl 






1 




1 


€fr 










| 


1 


1 






i 










1 






r* 




o 


TjT 


t*t 












Tj<" 




i-H 














f^ 






















^H 


















lO 








































» 












































y. 








































IS 


































• 




• 


c 


• 




• 


• 


• 


• 




• 


• 




• 


• 


• 


• 


• 


• 








o 
















































































n^ 








































c 

-3 










„ 






























c 

eS 




«t-7 
cd 






c= 
o 
3 
o 


.. 








X 




















£ 




"3 

PS 


.s? 




*rt 


c 






^ 


A 














•o 






C 






OJ 




3 


o 






< 


r^ 














o 

o 






o 

CO 

o 


«t-T 
cd 


73 

03 
O 


"as 


<u 


1 


PQ 
eS 






PQ 

3 






«t-T 


CB 
CD 




-4^T 


S 

.3 

o 

b 

Is 
>> 

Ph 




_e3 

'3 

O 
oa 

CO 

< 
"to 

Sh 


pq 
a 
.2 

'-♦3 

.2 
'o 
O 
co 

co 


"cD 
PS* 

CO 

c 

eS 

3 
a> 


*o3 

CD 

3 


3 
3 

CO 


03 
O 

-l-s 
'S 
CO 


"co 

|H 

CD 

3 
o 

S 


3 
3 

"co 

Ih 

CD 

-9 


T3 
< 

C3 

3 

3 


•4-3 

s 

CD 

> 

CD 
3 
CD 

PQ 


3 
3 

a 

CD 

_CD 


— 
O 

OJ 

3 

.2 
"S 


CB 

CD 

3 

CD 

pq 

"oS 

3 


Ct-T 

.2 

Ph 
CD 


CD 
% 

Ph 

CO 

3 

CD 

a 

4D 


3 
CD 

PQ 

"eS 

3 

3 


<d" 

73 
3 

< 


CB 
CD 

3 

CD 

pq 

"oS 

3 

3 




o 
o 

e 


< 
OS 


u 


73 
3 
ei 






ca 


oS 

CD 

H 


3 


CD 

to 

^3 


CD 

to 

73 


3 
cS 

73 

eS 


3 


3 

Ph 


3 

.5 


3 
O 

"eS 

fH 

o 


3 


73 
o 




o 


'3 

CB 




3 
O 


c 
o 


3 
O 


3 
O 


3 

o 


O 
co 




5 


oS 
CD 
CO 


oS 

CD 

CO 


3 
O 


2 


s 






cu 


V 


+j 


■+J 






+J 






s 








j3 


Ph 


3 






3 


= 


> 


co 


CO 


co 


CO 


CO 


>> 


3 


3 


'o 


"CD 


_B 


Sh 


oS 


(5 




OS 


CD 


CD 


O 


O 


O 


O 


o 


O 


oS 


cS 


eS 


^H 


^3 


^ — i 


"o 


O 


fH 


£> 




n 


w 


pq 


pq 


ffl 


m 


m 


PQ 


PP 


U 


o 


O 


o 


o 


o 


o 


o 


^ 



302 



FRATERNAL BENEFICIARY [Dec. 31, 



T3 
o 



O 



6 

pa 
< 











© 




i-h 




co 


CO 


->*< 


o 


1—1 


iO 


co 


co 


CO 




rt< 


© 






0881 




i 




I 


1—1 






^ - 








,— ' 




1 








11 


sqiBaa 






































u ao 


o 


CM 


OB 


i~ 


oo 


o 


to 


o 


Q 


— 


o 


CS 


_M 


-+l 


^ 


© 






— 


CO 


Tl 


CO 


CO 


»— i 


IQ 


00 


— 


c^ 


00 


o 


© 


09 


i— i 


© 






5 .E- ~ 


CM 


■~ 


1-1 




TP 


co 




'"1 


f— 1 


CO 


CO 


1^ 


CO 




wo 








i 
















1—1 








1—1 














— u 






































*5 4> 


















































































































ao 


— 




O 




oo 


IC 


CS 


CO 


o 


CS 


00 


CO 


t^ 


00 


t^ 


© 






1 - 




CO 




TO 


co 


O 


00 


■* 




o 


CM 


© 


t*. 


00 


CO 






o - i— ' 


CM 




1— ' 




o 


CO 




o 


t— 1 


■* 


^ 


t^. 


CO 




•"T 1 


l-H 






■° — ,-T 




1 




1 






























s -5 « 
















'-' 








'"' 




















































f. - 






































3 












































































a 


i- 


"* 


CO 


CO 


CM 


1^ 


^_, 


t^ 


•* 


CO 


CO 


CO 


© 


CO 


— 


00 










■ - 


CM 


© 


IQ 


CS 


CO 


""* 


^ 


co 


-K 




CM 


■* 


oo 


t-~ 






» -H 


OJ 




CM 


CO 


to 




— 


CO 


C5C 


:/: 


crv 


o^ 


■— i 


h- 


©^ 








01 ^_J- 


€& 




,_r 


rS 


pj 


,_r 


^_" 


cm" 


^r 


_T 




co" 




^4 










■ sc 
















»— ' 








CM 






1— ' 








< 6 






































o 












































































w 












































ui 


00 


i^ 


CO 


CM 


»ra 


tN 


o 


CO 


o 


iro 


1(0 


CM 


© 


© 


CO 


IQ 








CN 




o 


CM 


00 


-M 


■^ 


o 


t^ 


O 


lO 


t^ 


© 


© 


l-H 


h- 








— 


CM 




CM 


CM 


CO 


CM 




oo 


■—I 


CM 


CM 


>o 


CN 


.— c 


© 










o 


Ofr 






















cm" 












H 




— 




































M 
P 




-^ 




































H 
















































































3 




en 


CO 


o 


o 


t^ 


-f 


00 


o 


o 


CO 


CO 


CO 


o 


© 


© 


>o 


»o 




55 






CO 




CO 




CM 


o 


h~ 


*o 


»o 


tl 


co 


© 


Ol 




Ol 


00 




M 




o 


CO 


00 


i— i 


©_ 


CS 


CO 


Ci 


CO 


o 


CO 


©^ 


CO- 


CM 


°i 


© 




Ph 




en •— 




































X 




* 


l-H 








oo" 


i— i 




CO 




cm" 


CM 


cT 


rjT 




co" 






w 






۩= 














1— I 








CO 


















© 


to 


CO 


iQ 


"* 


CO 


CO 


lO 


oo 


CO 


cs 


-* 


CM 


— 


00 


CO 








QJ 




t^ 


00 


CO 


CO 




1—1 


^ 


CO 


CO 


c — 1 


r^i 




»-H 


© 










A 


۩= 




°1 


CO 






CO 


r— i 


00 


CM 


•* 


»o 




© 


to 






eg 




o 






1— 1 


cm" 








i-^ 








tjT 






co" 






£ 




<j 




































z 












































































u 




co 


^f 


>o 






CO 


oo 


CO 


o 


C5 


CO 


r-l 


■>* 


t^ 




© 


© 










10 


■* 






OS 


oo 




o 


CO 


CO 


CO 


Ol 






CS 


Tf« 









5 


OS 


CO 






■f 


1— t 




CM 


i-H 


CM 


00 


CM 


O 




© 


r^ 












1 






















| 








-_ 




c 


.— 






1 


© 


CM 




CS 




CM 


I— 1 


© 


"* 




i-H 






55 

H 




CD 

/ 

e 

■J~. 
CO 


¥? 














1— c 








-* 


















CO 

38 


1^ 




CO 




o 


CO 


ira 


■x> 


o 


1(0 


CO 


1^. 


^-i 


© 


© 


© 






o 




i^ 




CO 


00 


CM 


lO 


co 


00 


oo 


co 


oo 


■H* 


CM 


00 






to ~ 


t^ 


1 


© 


1 


00 


I— 1 


00^ 


t^ 


co^ 


'CO. 


°i 


oq^ 


Tl* 


«r^ 










CO i-h" 












^^ 


1— ( 


cs" 


i-H 


1— I 


f— H 


©" 




T— 


©" 








CO CO 






































^ o 






































G> 






































Q 
































































































"co 






































































































































• 


• 


• 








• 


• 




5 


• 




- 


* 












• 


• 








• 


• 


• 


• 


CU 


• 


*^ 


*CO 

1m 
O 

O 
T3 


"O 

00 


• 




























£ 






B 


I-H 
















1— I 














99 




'■ 


O 


^ 










>H 






. 














••_ 




O 


o 


© 










H 






o 














2 




J5 




i-H 










H 


• 


. 


£ 


• 




• 


. 


• 


• 


33 


• 


p 


o 


l_ 


• 


. 






i— i 
U 

o 

CO 


. 


B 

o 

CS 


9 

Sd 

5 


. 




. 


. 


<*-T 


. 


5 
Cm 


. 


ci 
E 
H 


to 

B 

CU 

co 

CO 


CU 

a 

CU 


73 

© 


m 






O 
a 


<a 

o 

a 


o 

CO 

00 


i-5 

B 
O 






4^ 

cc 


'-D 


5J 


< 


S 

CO 
CU 


«t-T 


*3 
"S 

CU 


35 


ft 

CU 

CO 


CU 

a 

0) 

pq 


CU 








a 

n 


<1 

*-> 

a 

cu 


BO 

o 

B 
_o 

B 


1j 

Ph 

cu 


4-T 

CO 

o 
B 
a 

pq 


3-1 

B 
u 

m 
"3 


< 

3 

a 


"co 

CD 


"3 

<1 


o 

h 

o 


CU 

"03 

P4 

"3 


£ 

S 
o 
o 




O 

CU 

'ej 


^3 

- 
c 

'qj 


c 

CU 

P3 
"3 

3 








a 

^H 


CU 

O 


"o 


"3 


3 


1 


5 


c 


B 


a 


a 


T3 


o 

CO 


Ph 


3 








fi 


<5 


p 


Ph 




S 


"i« 


<l 




X 


3 
I— ( 


J5 


5 


a 


a 


2 








<U 


7T 




p 


a 


s 


_U 


1/3 


B3 


cu 

•a 


A 


tc 


to 


a 










c 

o 


O 

o 
o 


a 

CJ 

£ 


o 

CU 

E 

esi 


c 
p 


09 


B 
cu 


o 

CU 


o 

CU 

o 

E 

CU 


r3 

Im 


c 
W 

CU 


B 

> 

CU 


CU 
O 


o 
'o 
O 

2 


'a 
o 
£ 

CU 

Ph 










CD 






I— i 


h| 


^ 


S 


»— i 

m 


a 


a 


i— i 


2 


Jz; 


^ 


K 


o 



1889.] 



ASSOCIATIONS. 



303 



OS 



t^i^.T — ©<>i^eococsi>-co--'co 

E K« "M CO © © r~- CN CO CN kO 00 IT t^ 



i— I r-» © "-* CN CO 

O 'O © © © <* 

CO CN — 



T* O O 

CO 00 CO 
CC O 



O © 
CO © 



1- 


o 


<M 


© 


00 


CN 


CN 


o 


o 


I-- 


iC 


te 


O 


© 


1— ' 


t-^ 


W 


CO 


i— i 


»o 


(M 



O 


CO 


Tt< 


r^ 


CD 


o 


o 


CN 


o 


r— 


1-M 


CN 




o 





re 







© CO © 

r-i cc © 

.-■ CN 



©—<.—• CO 

it — ■ r— © 
—i CO >.o 



i—i © QO CO 

CO © © -" 

t-~ CO 



O) 


© 


t^ 


h~ 


© 


CO 


© 


CD 


^m 


"H 




CN 


lO 


(M 





or 


CN 


© 


cr 


-M 


© 


i- 


CN 


© 



(N 


-« 


CO 


© 


-* 


•ra 


oi 


— 


CO 


© 


~* 


© 


rq 


Tf« 


00 


r^ 


CN 


© 


© 


■** 






1 — 


C_> 




© 


1— 1 






i— i 


•—< 


>~ 




CN 


Tf 


1— 1 



© 


CN 


© 


© 


M 


CN 


co 


CO 


<* 


o 


© 


© 


CN 


© 


© 


t^ 


r- 


Tt< 


Tf 


i— i 


i— i 


•—• 


CN 


00 


t^ 


CN 


CO 



~H © IC 

CN rr — 

■— I © CO 



rvi 


© 


© 


CN 


© 


>o 


© 


i— i 




t-^ 


1^ 


J 






r— • 


CN 


i—( 


iG 



© 1-1 

© M? 



© <M © 

© CO © 

1-M r— © 



© 1— I 

co •« 

© 



oi 

CN 



CC 

— 



«©= 



O « 



PO 



L" o 



•*- »*• 



c 
£ 

p 



I 







c3 








Cm 






cj 


<D 


• 


o 

c 
o 


Cm 
CD 

P 


P 




W 


CO 


£ 




>-, 






cu 


C3 

Cm 

s 

C 


- 




p 





•a 


m 


C 
>> 

P 


e3 


d 

CD 

s 




M_ 






>> 


o 


o 


CD 


Cm 


d 


d 


a 


Cm 


o 


o 


CO 


3 


*-> 


*a 


Ml 


(A 


CJ 


ea 


c 



5 <i «< <1 o 



.Si .S c3 



P PS P 



.* 02 .3 



» .S CQ 



c 
a 
a> 

P 



2 

o 

MM 



= CQ 

=3 



o 
S 

c3 

c5 
CO 



cj 

53 

a 
2 



cj 
02 



?3 C 

o cd © 

■8 pj fi 

•C! o "to 

Cm O rj 



o 



to 



o 



B 

o 



O Sm 

P 45 

5 £ 



cc 
O 



■g o 

cc co 

CD 

c *5 

CQ M 

T3 CQ 

c 



< 



o 
H 



o 









o 



c5 

o 

c 

s 

o 
P 



o3 



< 

6 



o 

p 



P3 
o 



^ 



CO CO 



o 

o 

-c; 
H 



CQ 



-a "s 
> 

d 
O 



c 

'S 

p 



p 



° r — d 



p a 






d .3 .d 



o 

Cm 



£ £ £ £ 



CO 
13 

cd 



CU CD CD 

P =3 H 

g P -g 

5 CD S 

"S .- C-< 



c 
d 
o 



304 



FRATERNAL BENEFIC'Y ASS'NS. [Dec.31,'89, 



T3 

o 

a 

o 

O 



6 







CO 


00 


CO 


UO 


CM 


•,;ss[ 


co 


3 


CO # 


os 


"^ 


HI sqjK.m 






■H^ 




o" 


fi 


r^ 


CO 


i-H 


CO 


•H^ 


ll CO 


cr 


OS 


t^ 


co 


^^ 


S3. 


o_ 


^v 


°i 


o 


°i, 


g -S 5 


— f 


CM* 


co" 


»o^ 


o 




r— 1 


t^ 


I-H 


CM 


± 8 






f 




»rr 


























• s 


.- 


_, 


1— 1 


OS 


CD 


t- / 


CO 


CM 


OS 


Tf 


OS 


2 a - 


to 


OS 


O 


l-H 


r~ 












a -s S3 


o 


O 


CO 


Tf 


i— i * 


i-H . 


i—i 


CO 




b~ 


s g 






-* 




tH 


a 












C5 


•Q 


i- 


-* 


I-H 


■o 


"H* 


t^ 


CO 


oo 


CO 


OS 


CO 


^> 


o 


CO 


O 


pH 


o~ 


©~ 


<£ 


rC 


ao CO 


CO 


o 


co 


iO 


CM 


^ 6 


^ 




00 


i-H 


i— i 


V 












Q 










^ 






CO 


•to 


< _ 


tN 


■* 




C3 


r-l 


CO 


OS 


CO 




JZ 


o 


OS 


CD 


r^ 


•* 
















§ 


o 


CO 


CM 


CD 


OS 


CN 




CD 


<* 


CM 




lO 


£3 


€fr 




"«* 




i~ 


< 










۩= 


H 


























- 
M 




CO 


-*< 


CO 


_l 


i-H 


1 a 


oo 


I-H 


t^ 


CO 


ICO 


*c 




■* 


o 


CM 
















X 


o a 


o 


1C 


CM 


OS 


t^. 


y 


^ 5 


So 


CM 


CM 


00 


i-H 






i-H 


CD^ 




i-H 




o -2 


۩= 




cT 




I-H 




k a 






i-H 
















& 






a) 


oo 


CD 


"* 


o 


00 




GO 


■o 


CM 


i-H 


t^ 




.a 


CO 


TT" 


CM 


CO 


CD 
















38 


o 


CO 


CM 


CO 


CO 


lO 




CO 


■H/i 


CO 


o 


CM 




€& 




rp 




CD 


i— i 


< 










<» 


» 


























K 


as 


CO 


CM 


I-- 


o 


t^ 


a 

o 


"£i 


-* 


OS 


CO 


oo 


lO 


s 


*C 


00^ 


"^ 


4f: 


^1 


o 


a 


<>r 


f-H 


i-H 


i-H 


t~-T 


S5 


to 


OS 


CO 


c-~ 


CO 


t^ 


M 


CO 






00^ 




CO_ 




0) 
DO 


۩= 




cT 




l-H 




00 






I-H 




I— C 




•< 










m* 




SB 


CO 


CO 


t^ 


OS 


iO 


00 


CO 


»ra 


CO 


>o 


i-H 


CO i-H 


CO 


o 


OS 


o 


OS 


9 ^ 












OS 


-* 


TP 


in 


CO 


Tf 


rp 


t— 


CM 


OS 


<! o 


۩ 




o 




t^ 


o> 










^ 














t— i 












>^ 










. 


H 












B 


• # 












>H 










3 
o 


« 










OO 


** 










h 


m 










o 


9q 










a 


t> 










^ 


OQ 










< 












fc 
















oo" 






en 






£ 












CO 




C3 






O 


C 




M 








5 


u 


o 




'S 
o 

co 
3 


*« 

fe 
^ 

T3 


u 

CO 

I* 


o 


H 






o 


o 


< 





ASSESSMENT ENDOWMENT CORPORATIONS. 



SUMMARY OF STATEMENTS RECEIVED. 



"SUPREME LODGE AMERICAN PROTECTIVE LEAGUE," BOSTON. 

[Incorporated June 29, 1S89. Commenced business July 1, 1S89.] 

J. II. Gunning, President. Theodore P. Dresser, Secretary. 

Office, 120 Tninont Street. 



Income during 1889. 



For membership fees, 
animal dues, 
mortuary assessments, 
certificate fees, . 
miscellaneous, . 



Total income, 



$5,369 00 

1,428 00 

2,142 00 

1,692 00 

60 00 

$10,691 00 



Disbursements during 1889. 

For salaries and commissions to agents, . . §5,569 81 

salaries of officers and employees, . . 382 25 

medical examiner's fees, .... 1,275 00 

miscellaneous, 1,167 71 

Total disbursements, 

Balance, 



8,394 77 
$2,296 23 



Net or Invested Assets. 
Cash deposits on emergency or reserve fund account (excess 

of legal reserve, §2,185 88), 

Cash in bank, 

Total net or invested assets, 

Liabilities. 
Salaries, rents and office expenses due and accrued, 

Balance, net assets, 

Total Business of 1889. 



Policies written during 1889, 
Policies ceased during 1889, 

Policies in force Dec. 31, 1889, 



$110 35 
2,185 88 

$2,296 23 



193 18 



1,103 05 



Number. Amount. 

1,809 $904,500 00 
171 85,500 00 



1,638 §819,000 00 



308 



ASSESSMENT ENDOWMENT [Dec. 31, 



•« SUPREME LODGE OF THE FRATERNAL ASSOCIATES OF 

AMERICA," BOSTON. 

[Incorporated Aug. 3, 18S9. Commenced business Oct. 8, 1889.] 

Edgab W. Whittemore, President. James McD. Ro r, Secretary, 

Office, 235 Washington Street. 

Income during 1889. 
For membership fees, 

siekness assessments, 

medical examiner's fees paid by applicant, 

miscellaneous, 



$73 00 


77 


25 


109 


50 


372 


25 



Total income, 

Disbursements during 1889. 

For salaries and commissions to agents, . . $ 146 00 

salaries of officers and employees, . . 10 00 

medical examiner's fees, .... 109 50 

dues retained by subordinate bodies, . 73 00 

miscellaneous, 175 57 

Total disbursements, .... — 



$032 00 



Balance, 
Cash in bank, 



Net or Invested Assets. 
Liabilities. 



Salaries due, 

Deficiency, 



Total Business of 1889. 



514 07 
$117 93 

$117 93 

1,583 32 
fl,465 39 



Policies written during 1889, 
Policies in force Dec. 31, 1889, . 



Number. 


Amount. 


73 


$68,000 00 


73 


68,000 00 



"SUPREME LODGE OF THE INDUSTRIAL BENEFIT ORDER," 

BOSTON. 

[Incorporated Oct. 31, 1889. Commenced business Nov. 16, 1889.] 

James M. Horne, President. F. A. E. Hamilton, Secretary. 

724 Washington Street. 

Income during 1889. 
For membership fees, f 847 50 

Disbursements during 1889. 
For salaries and commissions to agents, . . . $395 50 



salaries of officers and employees, 
medical examiner's fees, . 
miscellaneous, .... 
Total disbursements, 

Balance, 



254 25 

113 00 

52 78 



815 53 



$81 97 



1889.] CORPORATIONS. 309 

Net or Invested Assets. 

Cash in office, $31 97 

Liabilities. 

Salaries, rents and office expenses due and accrued, . 16 18 

Balance, net assets, $15 79 

Total Business of 1889. 

Number. Amount. 

Policies written during 1889, 113 $56,500 00 

Policies in force Dec. 31, 1889, 113 56,500 00 



"THE GENERAL COUNCIL OF THE INDUSTRIAL ORDKR OF 

AMERICA," BOSTON. 

[Incorporated Oct. 0, 1889. Commenced business Dee. 2, 1SS9.] 

Saul Rothblum, President. William Hoi,' wood, Secretary. 

Office^ 244 Washington Street. 

Income during 1889. 

For membership fees, $38 53 

For borrowed money, 268 00 



Total income $306 53 

Disbursements during 1889. 

For salaries and commissions to agents, . . $6 58 

salaries of officers and employees, . . 25 00 

printing and supplies, .... 241 19 

Total disbursements, .... 272 77 



Balance, $33 76 

Net or Invested Assets. 
Cash in office, $33 76 

Liabilities. 

Salaries, rents and office expenses due and 

accrued, $81 40 

Borrowed money, 268 00 

Total actual liabilities, .... 349 40 



Deficiency, $315 64 

Total Business of 1889. 

Number. Amount. 

Policies written during 1889, 78 $24,990 00 

Policies in force Dec. 31, 1889, 78 24,990 00 



310 



ASSESSMENT ENDOWMENT [Dec. 31, 



"SUPREME LODGE KNIGHTS AND LADIES OF PROTECTION," 

ROXBURY, 

[Incorporated July 16, 1SSS. Commenced business June 29, 18S6.] 

George W. Hayes, President. Henry McCurdy, Secretary. 

Office, 43 Cliff Street. 

Income during 1889. 

For sickness assessments, $1,524 00 

transferred from reserve fund of subordinate lodges, . 368 00 

miscellaneous, 388 10 

Total income, $2,280 10 

Balance on hand Dec. 31, 1888, 342 64 

Total, $2,622 74 

Disbursements during 1889. 
For losses and claims (sickness), . . . $772 50 

For advertising and printing, .... 430 88 

Total disbursements, . . . . 1,203 38 

Balance, ' $1,419 36 

Net or Invested Assets. 

Cash in office, $ 876 76 

Cash held by subordinate lodges, 542 60 

Total net or invested assets, $1,419 36 



Total Business of 1889 



Policies in force at beginning of year, 
Policies written during 1889, . 

Total, 

Policies ceased daring 1889, 

Policies in force Dec. 31, 1889, 

Losses and claims incurred during 1889, 
Losses and claims paid during 1889, 



Number. 

117 
169 


Amount. 

$109,000 00 
177,000 00 


286 
. . . 85 


$286,000 00 
82,000 00 


201 


f204,000 00 

£772 00 
772 00 



1889.] 



CORPORATIONS. 



311 



"NATIONAL BENEFIT UNION," BOSTON. 

[Incorporated Oct. 20, 1889. Commenced business Oct. 29, 1889.] 

Benjamin W. Minor, President. Charles Merritt, Secretary. 

Office, 165 Tremont Street. 
Income during 1889. 



For membership fees, 

medical examiner's fees paid by applicant, 
registration and certificate fees, 
borrowed money, 



Total income, 



Disbursements during 1889. 
For salaries and commissions to agents, . . $225 00 

medical examiner's fees, .... 112 50 

miscellaneous, 212 01 

Total disbursements, .... 



Balance, 
Cash in office, 



Net or Invested Assets. 



Total Business of 1889. 
Policies written during 1889, 



Number. 

75 



$225 00 
112 50 
150 00 
110 00 



$597 50 



549 51 



$47 99 
$47 99 



Amount. 

$71,500 00 



"SUPREME ASSEMBLY OF THE NON-SECRET ENDOWMENT 

ORDER," WORCESTER. 

[Incorporated Sept. 17, 1889. Commenced business Oct. 10, 1889.] 

Herbert McIntosh, President. J. O. H. Woodman, Secretary. 

Income during 1889. 



For membership fees, 
For sickness assessments, 



Total income, 



Disbursements during 1889. 
For salaries and commissions to agents, . . $372 00 



salaries of officers and employees, 
medical examiner's fees, . 

printing, 

miscellaneous, .... 
Total disbursements, 

Balance, 



442 50 
389 50 
707 98 
650 16 



!,850 00 
279 00 



1,129 00 



2,562 14 



312 



ASSESSMENT ENDOWMENT [Dec. 31, 

Net or Invested Assets. 



( lash in office, ........ 

deposits on emergency or reserve fund account, 
in bank, ........ 

Total net or invested assets, .... 

Total Business of 1889. 

Policies written during 1889, 

Policies in force Dec. 31, 1889, ..... 



$00 oi 

•279 00 
254 1!> 



foGii 86 

Number. Amount. 

380 |190,000 00 

380 190,000 00 



"SUPREME LODGE OF THE ORDER OF .EGIS. LYNN. 

[Incorporated Feb. 11, 1889. Commenced business Feb. 25, 1889. J 

John M. Dobson, President. Charles II. Robinson, Secretary. 

Income during 1889. 

For membership fees, $15,932 00 

annual dues, 4,705 00 

sickness assessments, 33,528 64 

medical examiner s fees paid by applicant, . . . 5,974 50 

sale of supplies, 1,048 89 

miscellaneous, 785 26 



Total income, 

Disbursements during 1889. 

For losses and claims (167), .... $11,16000 

salaries and commissions to agents, . . 7,396 00 

salaries of officers and employees, . . 1,430 13 

medical examiner's fees, .... 5,974 50 

dues retained by subordinate bodies, . 4,705 00 
membership fees retained by subordinate 

bodies, . . . . . . . 2,537 96 

miscellaneous, 6,016 31 

Total disbursements, .... 



f61,974 29 



Balance, 

Net or [nvested Assets. 

( 'ash in office, . . . . 

( !ash deposits on emergency or reserve fund account (legal 
reserve, $2,790.00; excess, $19,578.64), . 



Total net or invested assets, . 

Total BUSINESS of 1889. 

Policies written during 1889, .... 
Policies ceased during 1889, .... 

Policies in force Dec. 81,1889, 

Losses and claims incurred during 1889, . 
Losses and claims paid during L889, 



39,219 90 

?22,754 39 

$385 75 

22.368 64 
$22,754 39 



Number. Amount. 

3,983 1 3,851,000 00 

119 112,100 00 



3,864 $3,738,600 00 

$11,160 00 
11,160 00 



1889.] 



CORPORATIONS. 



313 



Business in Massachusetts during 1889. 

Number. Amount. 

2,465 82,397,400 00 

102 99,400 00 



Policies written during 1889, . 
Policies ceased during 1889, 



Policies in force Dec. 81, 1889, . 

Losses and claims incurred during 1889, . 
Losses and claims paid during 1889, 



2,363 $2,298,000 00 

$9,700 00 
9,700 00 



"SUPREME LODGE OF THE ORDER OF THE BENEVOLENT 

UNION," BOSTON. 

[Incorporated May 24, 1889. Commenced business June 25, 1889.] 

Jesse J. Underhell, President. Wm. A. Matthews, Secretary. 

Office, 244 Washington Street. 

Income DURING 1889. 

For membership fees, $1,370 30 

annual dues, 276 00 

sickness assessments. 2,256 92 

medical examiners fees paid by applicant, . . . 687 00 

miscellaneous, 1,247 00 



Total ineome, .... 

Disbursements during 1889 

For losses and claims (siekness), . 
salaries and commissions to agents, 
salaries of officers and employees, 
medical examiner's fees, . 
rent, f 600; printing, $789, 
travelling expenses, . 
Total disbursements, 



Balance, 



Net or Invested Assets 

Cash in bank, 

Cash held by subordinate bodies, 

Total net or iuvested assets, 

Total Business of 18i 

Policies written during 1889, .... 
Policies ceased during 1889, .... 

Policies in force Dec. 31, 1889, 

Losses and claims incurred during 1889, 
Losses and claims paid during 1889, 



$5,837 22 



$400 00 




458 00 




550 76 




687 00 




1,389 00 




271 76 






3,756 52 

$2,080 70 






$1,856 92 


. 


223 78 


. 


$2,080 70 


>. 

Number. 


Amount. 


458 


$453,250 00 


35 


35,000 00 


423 


$418,250 00 


3 


$3,000 00 


3 


400 00 



314 



ASSESSMENT ENDOWMENT [Dec. 31, 



"SUPREME LODGE OF THE ORDER OF THE FRATERNAL 

circle;' BOSTON. 

[Incorporated July 11, 18S9. Commenced business July 11, 1SS9.] 

Thomas Davet, President. I. W. Gammons, Secretary. 

Office, 24 Boylston Street. 



Income during 1889. 

For sickness assessments 

medical examiner's fees paid by applicant, 
charter, certificate and registration fees, . 
miscellaneous, 



Total income, 



$4,597 50 

2,679 00 

12,296 00 

216 35 



$19,788 85 



Disbursements during 1889. 



For losses and claims, 

salaries and commissions to agents, 
salaries of officers and employees, 
medical examiner's fees, . 
advertising and printing, . 
travelling expenses, . 
miscellaneous, .... 
Total disbursements, 



Balance, 



$375 00 
6,176 67 
2,222 58 
1,786 00 
1,977 03 
1,050 31 
999 70 



14,587 29 



Net or Invested Assets. 

Cash in office, 

deposits on emergency or reserve fund account, 
in bank, 



Total net or invested assets, . 

Total Business of 1889. 

Policies written during 1889, 

Policies ceased during 1889, 

Policies in force Dec. 31, 1889, 



$5,201 56 

$79 86 

4,222 50 

899 20 

$5,201 56 

Amount. 

$336,900 00 
2,800 00 

1,679 $334,100 00 



Number. 

1,693 
14 



"GRAND CENTRAL TENT OF THE ORDER OF THE HELPING 

HAND," LYNN. 

[Incorporated Oct. 7, 1889. Commenced business Oct. 8, 1889.] 

William H. Gove, President. Elmer F. Robinson, Secretary. 

Income during 1889. 

For membership fees, $1,908 00 

medical examiner's fees paid by applicant, . . . 1,272 00 

charter and registration fees, 1,272 00 

Total income, $4,452 00 



1889.] CORPORATIONS. 315 

Disbursements during- 1889. 

For salaries and commissions to agents, . . f2,464 00 

salaries of officers and employees, . 30 00 

medical examiner's fees, .... 1,272 00 

miscellaneous, ...... 557 10 

Total disbursements, .... $4,323 10 



Balance, $128 90 

Net or Invested Assets. 

Cash in office $128 90 

Business in Massachusetts during 1889. 

Number. Amount. 

Policies written during 1889 636 $544,500 00 

Policies in force Dec. 31, 1889, 636 544,500 00 



"ORDEB OF THE INTERNATIONAL FRATERNAL ALLIANCE OF 

BOSTON, MASS." 

[Incorporated -Tunc 19, 1889. Commenced business June 20, 1889.] 

Wm. BAUMGARTEN, President. J. F. Reynolds, Secretary. 

Office, Globe Building. 

Income during 1889. 

For animal dues $2,210 75 

borrowed money, 749 00 

sale of supplies, 6 20 

Total income, $2,965 95 

Disbursements during 1889. 

For losses and claims (1 death), . . . $700 00 

losses and claims (1 casualty), ... 49 00 

salaries and commissions to agents, . . 291 00 

salaries of officers and employees, . . 182 00 

miscellaneous, 912 34 

Total disbursements, .... , 2,134 34 

Balance, $831 61 

Net or Invested Assets. 
Cash in office, $13 50 

Cash in bank, 818 11 

Total net or invested assets, $831 61 

Liabilities. 
Salaries, rents and office expenses due and 

accrued, $ 500 00 

Borrowed money, 749 00 

1,249 00 

Deficiency, $417 39 



316 



ASSESSMENT ENDOWMENT [Dec. 31 , 



Total Business of 1889. 



Policies written during 1889, . 
Policies ceased daring 1889, 

Policies in force Dec. 81, 1889,. 

Losses and claims incurred during 1889, 
Losses and claims paid during 1889, 



Business in Massachusetts during 1889. 



Policies written during 1889, . 
Policies ceased during 1889, 

Policies in force Dec. 31, 1889, . 

Losses and claims incurred during 1889, 
Losses and claims paid during 1889, 



Number. 

742 

1 


Amount. 

|5 19,400 00 
700 00 


741 


$518,700 00 


1 
1 


|749 00 

749 00 


! 1889. 

Number. 

731 

1 


Amount. 

$501,700 00 
700 00 


730 


$501,000 00 


1 
1 


$700 00 
700 00 



"THE SUPREME SITTING OF THE ORDER OF THE IRON HALL," 

INDIANAPOLIS, INI). 

[Incorporate! March 2S, 1881. Commenced business March 28, 1881.] 

F. D. Somerby, President. E. J. Walker, Secretary. 



Income during 1889. 
Reserve fund balance, 
For annual dues, .... 

assessments, .... 

borrowed money, 
Transferred from reserve fund, 
From sundry sources, 

Total income, .... 
Balance on hand Dec. 31, 1888, 

Total, 



$571,374 25 

39,773 87 

1,352,456 40 

20,000 00 

190,396 20 

35,002 51 

12,209,003 23 
196,817 33 

$2,405,820 56 



Disbursements during 1889. 

For losses and claims (198 deaths), . . $32,482 00 

losses and claims (sickness and casualties). 507,993 50 

matured endowments (1,145), . . . 879,647 50 

salaries and commissions to agents, . . 2,561 60 

salaries of officers and employees, . ■ 28,004 31 

medical examiner's fees, .... 1,172 82 

miscellaneous, 55,924 58 

Total disbursements, .... 

Balance* 



1,507,786 31 
$898,034 25 



1880.] 



CORPORATIONS. 



317 



Net or Invested Assets. 

Cost of real estate, 

Loans on mortgages. ...... 

Cost value of bonds owned, ..... 

('ash in subordinate bodies on reserve fund account, 
< 'ash in bank, 



Total net ())• invested assets, 



$20,009 00 

397 00 

540 00 

515,069 33 

362,018 92 

,034 25 



Non-invested Assets. 

Supplies on hand, $1,800 45 

Bills receivable 3,567 40 

Bents due, . 250 00 

Market value of real estate over eost, . . 1,000 00 
Total non-invested assets. . . . 



6,617 85 



Gross assets, $904,652 10 



Liabilities. 

Borrowed money, ..... 
Deferred accounts of previous years, 
Total actual liabilities, . 

Balance, net assets, 



$20,000 00 
13,725 09 



33,725 09 

_* 

$870,927 01 



Contingent Mortuary Assets (or Resources). 
Mortuary assessments, called and not yet due (estimated), . $66,000 00 



Contingent Mortuary Liabilities. 

Losses adjusted, not yet due (number of 

claims, 168), endowment, .... $117,855 00 

Losses in process, not yet due (number of 

claims, 16), mortuary, 7,000 00 

Losses in process of adjustment (number of 

claims, 26), endowment, .... 17,500 00 

Losses in process of adjustment (number of 

claims, 2), mortuary, 950 00 

Losses reported, not in process (number of 
claims, 66), endowment, .... 47,600 00 

Losses resisted (number of claims, 16), endow- 
ment, 13,000 00 

All other contingent liabilities, sick claims 

(estimated), 37,000 00 

Total contingent mortuary liabilities, . — : 



$240,905 00 



318 



ASSESSMENT ENDOWMENT [Dec. 31, 



Total Business of 1889 



Policies in force at beginning of year, 
Policies written during 1889, . 

Total, 

Policies ceased during 1889, 

Policies in force Dec. 31, 1889, . 

Losses and claims unpaid Dec. 31, 1888, 
Losses and claims incurred during 1889, 

Total, 

Losses and claims paid during 1889, 

Losses and claims unpaid Dec. 31, 1889, 



o v/r 




Number. Amount. 

38,527 $30,223,200 00 
17,047 11,605,000 00 


55,574 §41,828,200 00 
9,709 8,307,800 CO 


. 45,865 $33,520,400 00 

1,091 $119,739 00 
10,943 1,420,122 00 


12,034 $1,539,861 00 
. 11,357 1,347,506 00 


677 $192,355 00 



Business in Massachusetts during 1889. 

Number. 

Policies in force at beginning of year, . . . 6,502 
Policies written during 1889, 3,736 



Total, 

Policies ceased during 1889, 

Polices in force Dec. 31, 1889, . 

Losses and claims unpaid Dec. 31, 1888, 
Losses and claims incurred during 1889, 



Total, 

Losses and claims paid during 1889, 

Losses and claims unpaid Dec. 31, 1889, 



Amount. 

$5,504,000 00 
3,127,500 00 



10,238 
1,296 



$8,631,500 00 
1,083,400 00 



8,942 $7,548,100 00 

152 $12,890 00 
1,444 167,830 00 

1,596 $180,720 00 

1,443 167,830 00 

153 $12,890 00 



"THE ORDER OF THE SOLID ROCK," BOSTON. 

[Incorporated Oct. 14, 1889. Commenced business Oct. 14, 1889.] 

Samuel M. Mason, President. N. O. Robinson, Secretary. 

Office, 74 Tremont Street. 

Income during 1889. 

For membership fees, . $645 50 

medical examiner's fees paid by ap] >1 icant, . . . 177 00 

borrowed money, 1,000 00 

Total income, $1,822 50 



1889.] 



CORPORATIONS. 



319 



Disbursements during 1889. 
For salaries and commissions to agents, . . $129 00 



salaries of officers and employees, 
medical examiner's fees, . 
miscellaneous, . 
Total disbursements, 



Balance, . 
Cash in office, . 



738 13 
177 00 

549 82 



Net or Invested Assets. 



Liabilities. 

Salaries due and accrued, $1,753 20 

Borrowed money, $1,000; interest accrued on 

same, f 12.50, 1,012 50 

Printing, f 153.75 ; sundries, $29.00, . . . 182 75 

Total actual liabilities, .... 



Deficiency, 



Total Business of 1889. 



Policies written during 1889, 
Policies in force Dec. 31, 1889, 



Number. 

118 
118 



1,593 95 

$228 55 

$228 55 



2,948 45 
}2,719 90 



Amount. 

$57,500 00 
57,500 00 



"SUPREME LODGE OF THE ORDER OF TONTI," PHILA- 
DELPHIA, PA. 

[Incorporated April 27, 1885. Commenced business April 27, 1885.] 

Henry K. Wheeler, President. D. H. Kenney, Secretary. 

Income during 1889. 

For annual dues, $13,398 25 

assessments, . 467,689 62 

certificate fees, 5,997 00 

sale of supplies, . . 9,403 61 

interest, 6,276 74 



Total income, $502,765 22 

Balance on hand Dec. 31, 1888, 144,729 11 



Total, $647,494 33 

Disbursements during- 1889. 



For losses and claims, 

salaries of officers and employees, 
miscellaneous, . . . 
defalcation of supreme treasurer, 
Total disbursements, 

Balance, 



$234,445 00 
14,437 63 
12,429 75 
38,597 82 



299,910 20 
$347,584 13 






ASSESSMENT ENDOWMENT [Dec. 31, 



Net or Invested Assets 
Loans on mortgag< 8, .... 

Cosl value of bonds owned, 

( a>l) reserve held bj subordinate bodies, 

in office, 

in bank, 

Total net or invested assets, . 



5,553 00 

78,886 12 

4,218 85 

1,190 20 

37,7;)5 % 

1347,584 13 



Non-Invested Assets. 



Office furniture, 
Bills receivable, 



$2,460 95 
4,845 49 



Total non-invested assets, 
Gross assets, . 



6,806 44 



. $354,390 57 



Liabilities. 



Bills payable, . 

Balance, net assets, 



409 34 



. $353,981 23 



Total Business of 1889. 



Policies in force at beginning of year, 
Policies written during 1889, 

Total, 

Policies ceased during 1889, 

Policies in force Dec. 31, 1889, . 

Losses and claims incurred during 1889, . 
Losses and claims paid during 1889, 



Number. Amount. 

11,267 $10,302,600 00 
6,127 5,647,600 00 



17,394 $15,950,200 00 
2,245 2,039,200 00 



15,149 $13,911,000 00 

. .$234,445 00 
. 234,445 00 



Business in Massachusetts during 1889. 

Number. Amount. 

742 $706,000 00 

430 411,400 00 



Policies in force at beginning of year, . 
Policies written during 1889, . 

Total, 

Policies ceased during 1889, 

Policies in force Dec. 31, 1889, 

Losses and claims incurred during 1889, . 
Losses and claims paid during 1889, 



1,172 $1,117,400 00 
127 117,000 00 



1,045 $1,000,400 00 



20,132 00 
20,132 00 



1889.] 



CORPORATIONS. 



321 



"SUPREME LODGE OF THE ORDER OF UNITY," BOSTON. 

[Incorporated May 9, 18S9. Commenced business June 7, 1889.] 

F. Eldoras Harvey, President. Carl W. Kimpton, Secretary. 

Office, 2 Park Square. 

Income during 1889. 

For membership fees, $1,012 00 

sickness assessments, 2,857 00 

medieal examiner's fees paid by applicant, . . . 1,141 50 

borrowed money, 3,500 00 

miscellaneous sources, 4,444 90 



Total income, 



$12,955 40 



Disbursements during 1889. 



For claims, 

salaries and commissions to agents, 
salaries of officers and employees, 
medical examiner's fees, . 
retained by subordinate bodies, 
miscellaneous, .... 
Total disbursements, 



Balance, 



$580 00 
2,441 70 
2,469 44 
1,141 50 
1,012 00 
2,843 22 



10,487 86 
$2,467 54 



Net or Invested Assets. 

Cash deposits on emergency or reserve fund account, 
Cash in bank, 



Total net or invested assets, . 

Liabilities. 

Salaries, rents and office expenses due and 

accrued, 

Borrowed money, 

Total actual liabilities, .... 



Balance, net assets, ..... 

Total Business of 1889 



Policies written during 1889, . 
Policies ceased during 1889, 

Policies in force Dec. 31, 1889, . 

Losses and claims incurred during 1889, 
Losses and claims paid during 1889, 



$325 57 
2,000 00 



Number. 

761 
23 



15 
15 



1,277 00 
190 54 



1,467 54 



2,325 57 
$141 97 



Amount. 

$672,750 00 
20,500 00 



738 $652,250 00 



$58C 00 
580 00 



322 ASSESSMENT ENDOWMENT [Dec 31, 

Business in Massachusetts diking 1889. 

Policies written during 1889, .... 

Policies ceased during 1889, .... 

Polities in force Dec. 31, 1889, .... 

Losses and claims incurred during 1889, . 
Losses and claims paid during 1889, . 



Number. 

655 
23 


Amount. 

$570,250 00 
20,500 00 


632 

15 
15 


$5-19,750 00 

$580 00 
580 00 



" SUPREME LODGE OF THE ORDER OF THE WORLD," BOSTOX. 

[Incorporated Oct. 29, 1889. Commenced business Oct. 30, 1889.] 

Arthur W. Pope, President. Charles F. Thompson, Secretary 

Office, 1 Beacon Street. 

Income during 1889. 

For membership fees, $483 00 

medical examiner's fees paid by applicant, . . . 187 50 

certificate fees, 322 00 

borrowed money, 1,435 00 

Total income, $2,427 50 

Disbursements during 1889. 
For salaries and commissions to agents, . . . $766 00 
salaries of officers and employees, . . . 210 16 

medical examiner's fees, 129 00 

miscellaneous, 785 68 

Total disbursements, 1,890 84 

Balance, $536 66 

Net or Invested Assets. 

Cash in office, $318 44 

Cash in bank, 218 22 

Total or invested assets, $536 66 

Liabilities. 
Borrowed money, 1,435 00 

Deficiency, $898 34 

Total Business of 1889. 

Number. Amount. 

Policies written during 1889 161 $231,500 00 

Policies in force Dec. 31, 1889, 161 231,500 00 

Business in Massachusetts during 1889. 

Number. Amount. 

Policies written during 1889, 92 $88,800 00 

Policies in force Dec. 31, 1889, 92 88,800 00 



1889.] 



CORPORATIONS. 



323 



IMPERIAL COMMANDERY OF THE PEOPLE'S FIVE YEARS' 
BENEFIT ORDER," BOSTON. 

[Incorporated Man h 22, 1889. Commenced business March 22, 1889.] 

Wm. L. Babsell, President. Chas. H. Eaton, Secretary. 

Office. 24 Boylston Street. 



Im ome during 1889. 

For membership fees, 

mortuary assessments, $30,762.81 ; expense, $4,258.89, 
medical examiner's fees paid by applicant, 

from sale of supplies, ...... 

interest, 



Total income, 



Disbursements during 1889. 



For claims (sickness and accident), . . $9,080 00 

salaries and commissions to agents, . . 15,760 00 

salaries of officers and employees, . . 10,486 66 

medical examiners fees, .... 16,342 50 
rent. $450.00; advertising and printing, 

$6,664.53, 7,114 53 

paid for supplies, 3,805 90 

assessments retained by subordinate com- 

manderies, 1,751 09 

Total disbursements, .... 



$32,685 00 

35,011 70 

16,342 50 

476 55 

106 40 

$84,622 15 



64,340 68 



Balance, 



|20,281 47 



Xet or Invested Assets. 

Cash in office, §253 35 

Cash deposits on emergency or reserve fund account (legal 

reserve, §2.270; excess, $18,011.47), 20,028 12 

Total net or invested assets, $20,281 47 



Contingent Assets (or Resources). 

Assessments, called and not yet due, . . $8,867 60 

Deduct estimated cost of collection, . . . 443 38 

Net amount due from members, . 



Total Business of 1889 



Policies written during 1889, . 
Policies ceased during 1889, 

Policies in force Dec. 31, 1889, . 

Losses and claims incurred during 1889, 
Losses and claims paid during 1889, 



Number. 

6,537 
. . 265 


Amount. 

$3,258,500 00 
132,500 00 


6,272 


$3,126,000 00 

§9,080 00 
9,080 00 



324 ASSESSMENT ENDOWMENT [Dec. 31, 
Business in Massachusetts during 1889. 

Number. Amount. 

Policies written during 1889, 5,380 $2,092,400 00 

Policies ceased during 1889, 247 123,500 00 



Policies in force Dec. 31, ISM", .... 5,133 $2,508,900 00 

Losses and claims incurred during 1889, %040 00 

Losses and claims paid during 1889, ..... 8,040 00 



"SUPREME COUNCIL SONS AND DAUGHTERS OF AMERICA," 

FALL RIVER. 

[Incorporated Sept. 16, 1889. Commenced business Oct. 7, 1889.] 

J. W. Wiiittaker, President. J. W. Flaherty, Secretary. 

Income during 1889. 

For membership fees, $500 00 

annual dues, 140 00 

assessments, 337 00 

medical examiner's fees paid by applicant, . . . 210 00 

Total income, § 1,247 00 

Disbursements during 1889. 
For salaries and commissions to agents, . . £420 00 

medical examiner's fees, . . . . 210 00 

dues retained by subordinate body, . . 140 00 

printing, 140 00 

Total disbursements, . . . . 910 00 

Balance, $337 00 

Net or Invested Assets. 
Cash deposits on emergency or reserve fund account, . . $07 40 

Cash deposited in bank, 209 00 

• Total net or invested assets, $337 00 

Total Business of 1889. 

Number. Amount. 

Policies written during 1889, 140 $130,000 00 

Policies in force Dec. 31, 1889,. ..... 140 130,00000 



" THE UNION ENDOWMENT," BOSTON. 

[Incorporated June 19, 1889. Commenced business June 20, 18S9.] 

W. W. DWYER, President. Arthur A. Bailey, Secretary. 

Office, 1 Beacon Street. 

Income during 1889. 

For membership ices, $4,550 00 

sickness assessments, 1,145 40 

medical examiner's tecs paid by applicant, . . . ooi 50 

Total income, $0,590 90 



L889.] 



CORPORATIONS. 



325 



Disbursements during 1889. 



For claims, ..... 
salaries and commissions to agents, 
salaries of officers and employees, 
medical examiner's fees, . 
miscellaneous, .... 
Total disbursements, 



. $380 00 




. 2,970 50 




. 177 80 




. 734 50 




. 992 20 






$5,255 00 





Balance, 



$1,341 90 



Net or Invested Assets. 

( lash in office, 

deposits on emergency or reserve fund account, . 
in bank, 



Total net or invested assets, . 



$10 00 

289 08 

1,042 82 



$1,341 90 



Liabilities. 
Salaries, rents and office expenses due and accrued, 

Balance, net assets, 



576 01 



$765 89 



Total Business of 1889. 



Polieies written during 1889, . 
Policies ceased during 1889, 

Policies in force Dec. 31, 1889, . 

Losses and claims incurred during 1889, . 
Losses and claims paid during 1889, 



X umber. 

1,096 
25 


Amount. 

$521,800 00 
11,900 00 


1,071 


$509,900 00 

$380 00 
380 00 



Business in Massachusetts during 1889. 

Number. Amount. 

. . . . 1,067 $507,300 00 

25 11,900 00 



Policies written during 1889, . 
Policies ceased during 1889, 



Policies in force Dec. 31, 1889, . 

Losses and claims incurred during 1889, 
Losses and claims paid during 1889, 



1,042 $495,400 00 

$280 00 
280 00 



326 



ASSESSMENT ENDOWMENT [Dec. 31, 



"THE UNITED ENDOWMENT LEAGUE," BOSTON. 

[Incorporated June 21, 1889. Commenced business July 2, 1S89.] 

Wm. M. Armstrong, President. James R. Boyd, Secretary. 

Office, 131 Devonshire Street. 

Income during 1889. 
For membership fees, 
annual dues, 
Assessments, 

medical examiner's fees paid by applicant, 
sale of supplies, 
borrowed money, 

Total income, 

Disbursements during 1889. 
For salaries and commissions to agents, . . $1,347 00 

617 00 

673 50 

1,071 93 



|2,245 


00 


134 


25 


1,370 


16 


673 50 


3 


50 


840 00 


$5,266 


41 



salaries of officers and employees, 
medical examiners fees, . 
miscellaneous, .... 
Total disbursements, 



Balance, 



Net or Invested Assets. 

Cash in office, 

Cash deposits on emergency or reserve fund account, 

Total net or invested assets, .... 



Balance, net assets, . 

Total Business of 1889. 

Policies written during 1889, 

Policies ceased during 1889, 

Policies in force Dec. 31, 1889, . 



3,709 43 



$1,556 98 

$186 82 
1,370 16 



$1,556 98 



Liabilities. 




Salaries, rents and office expenses due and 




accrued, 


$177 00 


Borrowed money, 


840 00 


Total actual liabilities, .... 


i 





1,017 00 
$539 98 



Number. Amount. 

449 $224,200 00 
15 7,500 00 



434 $216,700 00 



Business in Massachusetts during 1889. 

Number. Amount. 

Policies written during 1889, 418 $208,700 00 

Policies ceased during 1889, 15 7,500 00 



Policies in force Dec. 31, 1889, 



403 $201,200 00 



1889.] 



CORPORATIONS. 



327 



••SUPREME LODGE OF THE UNITED ORDER OF EQUITY," 

BOSTON. 

[Incorporated Aug. 10, 1889. Commenced business Sept. 21, 1889.] 

Charles B. Dunkerton, President. William K. Knowles, Secretary. 

Office, 27 School Street. 



Income during 1889. 

For annual due- 

sickness assessments, 

medical examiner's fees paid by applicant, 
borrowed money, ...... 

charter fees, $1,206.00; registration fees, $371.00 

tificate fees, $871.00, 

sale of supplies, 



Total income, 



cer 



$171 


42 


93 


17 


804 00 


300 


00 


1,948 


00 


53 


90 



Disbursements during 1889. 



For salaries and commissions to agents, 
salaries of officers and employees, 
medical examiner's fees, . 
advertising and printing, . 
supplies, ...... 

travelling expenses, . 
dues retained by subordinate body, 
Total disbursements, 



B a lance, 



. $1,206 00 
. 564 00 
. 804 00 
. 279 32 
54 22 
. 125 36 
. 171 42 



$3,370 49 



3,204 32 



$166 17 



Net or Invested Assets. 

Cash in office, 

deposits on emergency or reserve fund account, 
in bank, . 



Total net or invested assets, 

Liabilities. 
Salaries, rents and office expenses due and accrued, $44 00 

Borrowed money, 300 00 

Printing, 441 15 

Total actual liabilities, 



Deficiency, 



Total Business of 1889. 



Policies written during 1889, . 
Policies ceased during 1889, 

Policies in force Dec. 31, 1889, . 



$73 00 
18 63 
74 54 



$166 17 



785 15 



$618 98 



Number. Amount. 

402 $200,500 00 
2 1,000 00 



400 $199,500 00 



328 



ASSESSMENT ENDOWMENT [Dec. 31, 



CO 

O 

H 

« 
O 

« 
o 
O 

H 

O 

ft 

W 

a 

co 

CO 
CO 







• 


ao 


CO 


CO 


00 


^-< 


m 


o 


"* 


CO 


OS 


CO 


I-H 


ia 


00 






eo 


t^ 




t^. 


o 


t^ 


00 


CO 


(M 


r^ 


CO 


■* 


CO 


l-H 


b 




CD 




1— 1 




CN 




CO 


oc 


"cr 


co^ 


CO 


t^ 


00 


l-H 




































i— i 














CO 




i-T 






iO 






w 


























»cf 




s 


■ 
ft 






























i 


§8 










1^ 
















r^. 




u 












r~* 
















CM 




2 § 


*1 


l 


1 




1 


•— ' 


i 


1 


1 


I 


1 


1 




iO 


1 


H 


CO 


























CO* 

CO 




M 


d 






























pq 


^ 






























i 


CO 


00 


!N 


■* 


Ci 


00 


t^ 


>* 


i-H 


CM 


CS 


fM 


■»f 


CS 


CS 


1— I 


CO 


CO 


t— 1 


■^ 


CO 


UO 


OO 


O 


CM 


CO 


CO 


CM 


°3 .-^ 


<M 


l-H 






Tj< 




«3 


t-~ 


o 


CM 


l-H 


00 


o 


CM 


































CO ^-* 


CM 








f— ( 






C<1 


CM 


IO 






CO 




ao CO 


•» 














CM 










CS 




«< 6 


























CO 




■ 






























ft 


































5 


10 


■*# 


to 


CO 


i—l 


o 


CM 


O 


CO 


CM 


co 


IO 


CO 


"* 






CS 


i-H 


r- ( 


h~ 


CO 


•o 


CO 


CO 


•o 




CM 


OO 


CO 


CS 






,C 


CO 


i© 


00 


CM 


Tf< 


UO 


1Q 


o 


CO 


CM^ 


CO 


CO 


co_ 


IO 




































co 




o 


00 












(M 


00 


CO 


TjT 


■* 


l-H 


t^r 


I-H 


a 






€fr 














CM 




l-H 






00 




H 

D 




^ 






























H 


































H 






















. 












fc 




OS 










CM 






O 


o 


U0 




CS 


co 




H 




c 










b- 






CO 


o 


r^ 




-*< 


CM 




g 




1 


1 


1 


1 




1 


1 


l-H 

t—l 


T* 


CO 


1 


t^ 


l-H 

cT 


1 


W 




o 

ft 

fa 

O 
Em 
















i-H 










CM 

i-T 












CS 


IO 


00 


t^ 


00 


00 


O 


o 


o 


i-H 


CM 


CO 


CO 


a 






o 


•**" 


10 


5 


o 


00 


CS 


o 


>HH 


GO 


CS 


IO 


CD 


co 






f 


IO 


iO 


00 


CO 


CO 


*o 


CO 


■^ 


»o 




■><*< 


cs 


CS 


OO 




































CS 




o 


OO 












<N 


00 


CO 


iO 


■*J1 


CM 


•HH 


i-H 


1 






€©■ 














CM 




l-H 






o 








^ 






























g 


































W 




CD 


CM 


t^ 






CO 




OS 


OS 


t^ 


CO 






CO 




B 






■<*< 


t^ 






OS 




t^ 


CM 


>o 


CS 






iO 




o 




i-H 








00 




CN 


ia 


Ol 


o 






00 




CS 












1 




1 










1 


| 




1 




S 


CM 




1 




i-H 






CO 


SM 


«* 






CM 






CO 
CO 


۩= 














CO 










IO^ 








9 


































as 


























i— r 








as 


































< 












































CO 
















o 
















Tt< 
















CO 




m Co 

CO l-H 


1 


1 


1 


1 


CO 


1 


1 


1 


1 


1 


1 


1 


co" 


1 


a> eo 


























CO 




•« c; 


























t^. 




<D 


























* 




o 










































































<D 




^ 






















aT 






to 




j) 




















to 


bfl 

o 




'5 


T3 
O 




s 

o 

CO 

00 




to 
o 




-4-3 

c 
as 

H 


oT 
o 










^3 
O 

OS 


as 

B 

o 
Ih 


aT 
be 

T3 


c 
s 
o 
o 


<D 

= 
<U 
U 

a. 




< 

£ 


. 


(-1 

as 

E 


aT 

to 

T3 
O 


"3 

H 

d 
as 


d 


t£ 
d 






s 


a, 


O 

h3 


"3 
H 


s 

CO 




o 
o- 




Ih 

— 


t-5 

as 

s 


O 

T3 


"5 


'■*3 




B 




B 


CO 


CD 


as 


^ 




3 


• 


a 


OS 


CO 




o 

02 




Oh 

d 


of 


s 


d 

o 


o 




CO 


„ 


CO 


03 


o 

c 

Ph 

a 

CO 




o 

H 
3 




CO 

ej 

P 

bo 
1 

as 

CS 

s 

o 
c 

fa 

c 

cS 
Q 


<x> 

S 


as 

CO 


O 

of 

e 

o> 


o 
p 
fa 




T3 
M 

o 


a> 
bo 

T3 

2 


B 

o 

"3 
P 

4-> 


C 

Oh 

d 

CO 

aT 


s 

13 

C 
03 


o3 
u 
fa 

el 

d 


££ 


«< 
fc 




O 

00 

a 

.2 
"o 
o 

CO 
CO 

"3 


-a 
O 

o 

a 

m 
5 


s 
< 

.o 
u 

o 


o 

ao 
.2 

3 

T3 

C 
cS 


d 
_o 

'S 



*-» 
CC 
a> 
a 

o 

fa 

c 
o 


d 

s 

6t 

o 

•d 

c 
W 

as 
E 

o 


s 

Ph 
d 

CO 
aT 

'to 

<4-l 


c 

<u 

l-H 

o 

as 

c 
a> 
fa 
as 

<4-l 


13 
o 

"3 
a 

as 

s 

C 

fa 

«<H 


a 

OC 
B 

'a, 

"as 

a 

OS 

h^ 

*-• 


o 

'•in 
03 

d 

Sh 
OS 

c 

t-H 
OS 

£1 

Cm 


73 

c 
o 

■— 
hH 

as 

«d 
IM 


OS 

o 

«• 

"5 

CO 
OS 

.a 






C 


*c 


'C 


j3 


o 


o 


O 


O 


O 


O 


o 


o 






"|_| 


c 


co 


•4-» 
CO 


^3 


CO 


|M 


H 


In 


Ih 


h 


Ih 


Ih 






as 


as 


a 


3 


_fcO 


o 


OB 


as 


as 


OS 


OS 


as 


as 






s 


|_, 


'd 

c 

t-H 


13 


'a 


03 


Ih 


V 


V 


T3 
C 


T3 

— 


r3 

Ih 


r3 

— 








< 


fa 


h5 


M 


£ 


55 


o 


6 


5 


o 


o 


o 


O 



1889.] 



CORPORATIONS. 



329 



a 


00 


t-1 


"M 


© 


pH 


T* 


o 


OS 


■*• 


CO 


co 


t~ 


-* 


r» 


CO 


o 


Tf 




f*. 




CM 


r-( 


o 


Tt< 


^ 


CM 




















*o 






CO 




i—i 






o 


i— 1 
















CO 


|> 
















I—I 


co 


















5^ 
















OS 


_r 


1 


1 


1 


1 


1 


1 


1 


OS 


i—i 
















>* 


s 


co 


r^. 


1—1 


f^ 


CM 


t^ 


cc 


1-^ 


CO 


co 


X 


CO 


TT« 


o 


CO 


-+- 


l^ 


"^1 


o 


CM 


CO 


CO 


>o 


1-* 


o 


















f 


t~~ 


cm" 




o 




i—< 


r-C 




CO 


Tf* 






CM 










o 


CO 




















IC 


CO 


_, 


^ 


o 


O 


CS 


Tt< 


t^. 


co 


o 


OS 


CO 




t^ 


O 


o 


►o 


Tf 


CS 


CO 


CM 


CS 


CO 


t^- 


°i 


co_ 




















ie 


CS 




m 




Tf< 


CO 


co" 


a? 


so 






lO 










cs 

«M 


m 












o 






Tt< 


■<*< 


co 




CO 




CO 






CO 


rt< 


o 




o 




co 






©^ 






1 




| 




1 


1 




•>* 






o 










CO* 


co 
















t^ 


CM 
















co_ 

1—1 




>~ 


CO 


CO 


CI 


o 


1—1 


CO 


t^ 


-* 


r— 


CS 


CM 


CO 


1— 1 


«5 


CS 


t^ 


OS 


co 


o 


•* 


OO^ 


CS 


t—c 


CO 


CM 


1—1 




















IO 


o 


CM 


co~ 




lO 


CO 


CO 


o 


co 


I—I 




o 










ao 

CM 


o 


t^ 




CO 


r-~ 


»o 


o 


CO 


CM 


OS 


lO 




IQ 


CO 


rf« 


t— 


OS 


r^ 


» 


CO 




t^ 


CO 


T* 


CO 










| 














t-T 


CM 




o 






1-1 




CM 


cr 






CO 










cs 


Ttl 
















CM* 




CS 
















CM 


CM 
















o 


t^ 
















FH 


tjT 


1 


1 


1 


1 


1 


1 


1 


co" 


>* 
















1—1 


i— i 
















cs 


, 
























t>~. 




































CO 


















r3 












1 


• 


• 


a 


• 






• 










<SJ 


















£ 


_r 
















s 

o 
O 


c 
s 
o 
















"3 

CO 


o 

CO 

g 






of 




• 


• 


* 


ft 

s 

(—1 


CO 
Si 






to 








cT 


Pi 
s 
CO 

ef 

CO 

"C 

CO 

s 
< 






o 




co 
60 
■a 

o 

© 


co 
to 

o 

- 

03 


o 

CO 

s 

CO 

u 

a, 


s-T 

CO 

-a 

Si 

O 

-4-3 

ca 

CO 




CO 

B 

SP 

CO 

- 

a 

CO 

s 

o 


CO 

s 

p 

ft 

CO 




S 

2 

ft 

s 

CO 
•n 

c 
o 
E- 


e 

co 

Si 

s 

CO 

'3 
P 


3 
CO 

o 

CO 
+a 


CO 

n 

Si 
CO 

> 


«4H 

o 

CO 

Si 

CO 

— I 

fcO 

a 

e5 
ft 




CO 

a 

o 


— 

'3 
cr 

w 

Cm 

o 

s 

-a 

Si 




O 


*— i 
o 


o 


t» 


a 


w 


o 




t- 


u 


Si 


"co 


03 


a 


CO 


CO 




CO 


CO 


CO 


"ft 


09 


o 


-u 


*J 




r3 

Si 


-p 




o 

CO 


S 

o 


fl 


c 


c 




o 


O 


O 


Ph 


CO 


& 


p 


p 





a 

-3 

o 



LIFE, ACCIDENT AND CASUALTY 

INSURANCE COMPANIES 

OF OTHER STATES 



Authorized to do Business in Massachusetts, and the Amount of 

Business done, for the Year ending October 31, 1889, 

as returned to the Tax Commissioner, 

and by him compiled. 



332 



LIFE, ACCIDENT AND 



[Oct. 31, 



w 

W 

1-H 

ft 

o 
o 

H 
ft 

CO 

o 

Q 
< 

H 
ft 

h- ( 

Q 
O 

<3 



ft 
ft 
H 
W 





CS 


, 










^H 


T— 






""* 












CO 


oa 




. 


r. 












«* 


— * 




M 


CS 












•—1 


CO 




H 


kO 












ua 


CO 




» 












1-H 








-*^(NH 


CI CM 


GO 


CS 


*o 


CO CO 


co f>- 


CO 


r-4 CM 


s 


iO (N N l^ 


^ »o 


CO 


CO 


CM 


t^ CO 


CM -* 


CM 


OS o 




cs^-^ 


cc r>- 


CS 


CM 


CO 


CO CI 


uo r^- 


*o 


co >o 


w 


ci r— r» co 


oo o 


CO 


t^ 


•o 


CM Cs 


~ r^. 


-f 


CS CO 


« 


cs cs cs os 


t^ CS 


t^ 


iO 


— 


CC -* 


t^. r* 


CM 


<* 30 






















i—i CO Cs o 


iO CM 


r^ 


CO 


CM 


»o 


iO CO 


cs 


os -o 


B 

3 


«fe='0 CM i-l 


i—i t-- 


co 


co 


CO 


1-H 


b- H 


i—i 


co to 


CM 


CO 


»— i 


CO 










CO 



o o o co 

o o o co 

o o o r^ 
o cs o cs 
o co o ©* 

*0*"io GO O 
t^ CO CO CM 

^ co" co" cm" 



o o 

o o 

O t^ 

CO ■"# 

o"cm" 

GO O 

"* 



o 
o 

o 

o 
o, 

CO 

1-H 



o 
o 

o 
o 
o 

o 
o 



o 

o 

o 
»o 
co 

of 
o 

CO 
*0 



o o 

o o 

r>- o 

t- CM 

t>«o 
cTi>T 

CO 

co 



o o 
© o 

Cs o 
cs o 

HO„ 

*o"cf 
CO CS 

co.'* 



CO 
CM 

co 
o> 



c fcfc 



c 

I - H — 5h ;— 

o3 r O O 

rj «*-h 

H p P |S 

O cj Oi O 



o o 



H ft. 

eft *H 

Jh Fh 

o3 o3 

EH 



c 
W 

o 

ft 
O 

k-3 



Jh Sh 

o o 

525 £ 



o 
J25 



ftX 



:_ 


>% 


C 


3 


— 





e3 


o 


— 
— 


23 






o 



c3 

O 

o . »- 

a & 



>» 



&o. 



O 



C >H 

^9 ^o 



^C^ S ft 



Od 



^ 



o 
O 

o 
o 

a 



v 



p 

en k 

a. 



o . 

© -ft s 
S o o 
= ^o 

't ? CJ 

cc 5? Jl 

"^ C/}GO 
CD 

-H ^O CJ 

- a* 






a 

a 

•i— i 

^^ 

a 

o 



o 
O 

o 

g 

o3 



CO 






o o 

CU CJ 



CO 

o 

03 

m 

O 

"3 

CD 

-a 

— 

«+H 

o 



o 

o 

CO 
CP 

o 

a 

a 



CD 

«4-H 

o 






a 5 5 



CD — — 

^^ CZ JI 



O O 

(JO 



-H 2 *- - 



o 

J25 

o 

03 

JH 

o 

CO 

03 

o 



03 



Ph 






o 
O 

u 

a 

o3 

u 
!3 

CO 

G 



c*-< •> as 

hJ 03*^ 
03^ 2 

s jp§ 

i 

a> 

O 



o 

O 

o 
a 

03 



d) 

i — i 

"S 

P3 

e 

o3 



>> 

C 
03 
ft, 

a 

o 

03 
O 

- 
o3 



ft rr 



5h 
O 

o 

p^ 

ft 

03 
Oh 

a 

o 
O 

o 
o 

ft 

03 
U 

ft 

CO 

ft 



^ ft 

O OH 



eS g » 

-t- 1 o3 ft 



O O 

1-H O 

r^ co 

o >o 

CO t-^ 

cx"t^r 

O CO 

-H-^tM^ 

CM"cs~ 



Fh U 

o o 



HH PHHI 



O ^ 03 CU 

ft i—- M — 



^ ft 

ft ft. 
o3 a 
ft* ft 
ft^° 

^ o 

03 ft 

a o3 

ft ?h 

03 ft 
H co 

ft ft 

CO HH 

5 « 



H^ ft 

^ 03 
ft s-> 
03 ^ft 

^a 

'ft J - 1 
ft ~ 

03 CD 



^ *Z 



1889.] 



CASUALTY COMPANIES. 



333 



— 




CN 


SO 01 
















CO 




-* 


— 


■ i 


CO 


c to 




1 


1 


1 1 


* 




1 





| 





r^ 


1 1 


CN 


co CO 




1 


1 


1 1 




1 


1—1 




OS 


cn 




i—i 


co to 
















-f 




O 


— 




«-7 
BO 


SO "<* 
















uO 




CO. 

1-H 


— 


co r^ 


O h- to 


to CO 




CO 


O 


CN CO 


>o 




~*i 


1-H 


O 


CO 


K 


— — 


CO t^ GO 


Oi CN 




O 


t^ 


1-H t^ 


t^. 




CO 


"* 


Tfi 


CO 


ONQO 


oc^ 


CN *H 




50 


O 


■-< C~i 


uO 




GN 


T— 1 


OS 


CO 


i 3 


— iQ 


co r— en 


C x 




CO 


O 


GN CO 


GN 




1— < 


UO 


CO 


CO 


CO 


CO ^h 


CO — CO 


CO ~* 




co 


»o 


CO •— ' 


O 




GN 


O. 


"<* 


Th 






























i— ■ 


33 C 


i.~ X IC 


CO X 




— 


»o 


1-1 CN 


CO 




■<+ 


h-T 


-H 


uO 


GN 


O r^- 


t^ OS — • 


CM -h 




^ 




CN tO 


O 




CO 


CN 


uO 


uO 




*& °*. 


i-t -r" CO 


CO CN 








1—1 r-t 


T— ( 








1-H 


t>^ 




i— i 
























co 


CO 


5 O 


© b> © 


O O 










O 


O 




O 





O 


C5 


QO 


o o 


~ o o 


O O 










O 


O 




O 





O 





^h 


c o; 


r~- © 1-* 


O O 




Q 


3 


O 


O 




it 


1-H 


uO 


co 


O 


~ co 


03 X t^ 


~ O 










O 


O 




CO 


CO 


«f 


co 


co^ 


CN — 


:- SG S3 


— «3 




0^ 


1— J 


O. I 


uO 




CO 


OS 


t^ 


CO 






























so 


CO CO 


co to o 


OS CO 




CO*" 


CO 


O" 


CO 




CO 


l-H 


i-H 


OS 


"O CN O 


X — GN 


cn r— 







1— ( 


O 


CO 




CO 


CO 


CO 


uO 


00 


TT OS 

■ o of 

i-i CO 


T— [(J ^ 

so 00 t^.~ 

— H 


l^OS 

to 




uO 


oa 


O 


1-H 




l-H 


CN 


CO. 
CN 


GN 

uo" 

uO 
















• 










- 




►J 


> 


:>- bd 


-r «" 




>H 




" 






>^ 


r 


>H 






f 


-t-» 


— pH 






^ 


^- 








■t—t 






fc 


>-*& 


►fc^ 






^ 


,B 


O 


33 




^ 


> 


^ 







44.° 

B ^ 


— - - 

~ -* 

s £J5 


73 « 




44 


'S 


O 


'B 
B 
7; 






> 


(3 

O 

to 
.9 


44 

- 
O 




33 


^ s 


.- 


1 — ~ 




Q 


OP 


03 


O 




a; 


■H 


33 




£ fc fc 


s^ 


PhUh 




^ 


i— 1 


1— H 




Jz; 


^v*> 


^ 




£ ' 








^ 






/^^N 


• 


3 




• 


• 




^ 






j, 


33 




















£ 






rt 


& 










^ 


1 




































— 

o 
Q 

33 

s 

03 

— 

09 


r ,i4 

~ •- 

X o 

B 33 

— EH 

33 o3 

C^ B- 


. . 



C 3 03 b3 

B. B an 

B C 


B O 

5 >> 

«— 1 — 
^> — « 

B Tt 

O B- 




•— 
O 

>■ 
— 

"E2 

c 

X 

33 

= 

X 
X 


* 


s 

Bh 

B 
O 

O 

33 

O 

ei 
J- 

B 

X 

*^ 


CD 

rj * • 

H 

B 
o3 


>> 

B 
03 
B- 

£ 


O 




CD 

— 

9 




* 


1^ 

B 
03 

Bh 

B 


a5" 

03 



O 




x 
DO 


7j B 


^ 

O <T! "* 


B^ 

B +j 
F x 


< 

33 

:— . 




-1-3 

a 




Bh 

a • • 



B 

o3 
U 

B 


d 

03 
B 




O 


CXI 


B 
o3 




Ed 

C . 
i 


a 33 


B £r-H 


B r* 
x - 


5 




'3 






X 

B 


X 

B 





B 


— 
B 




i 1 

X 

+3 — 


rJ — - 

111 




X 






. . 

B 
o3 
'—1 
B ' • 


a 


— 

33 

"— 




c3 

B 

X 

B 
t— < 


X 

B 










=H 


03 




O 


X r- 


-J 


X 







h- 1 






~ .c 


■ ,~[ ' ^ si 

•- 03 
L-J M >J 

l T X 




0Q 






O 

x " '"B 


+2 


33 

— 


C 


q-H 
^3 


B 
C 
+3 


i£ 




II 


0; 


B B 
B O 


33 

> 





T3 

B 
03 


-J < 


1 

.2 

*B 




52; 


B 
O 


•S 

X 
03 


H-> 


H 


£ 


^^^ 


— — 


— 




CO 


H 


P^ 




> 


^ 





AGENTS 



or 



LIFE AND ACCIDENT COMPANIES. 



LIST OF AGENTS AND SUB-AGENTS 

AUTHORIZED AT DATE OF PUBLICATION OF THIS REPORT. 



^ETNA LIFE INSURANCE CO., Hartford, Conn. 



N \MKS. 


Residence. 


Names. 


Residence. 


Cadwell, Adin L., . . Lowell. 
Chester, Dwight, . . j Newton. 
Crosier, Herberts., . , North Adams. 
Frost, James L , . . Maiden. 
Kent, James I).. . . Qnincy. 
Newton, Addison V., . Worcester. 


Pierce, George, 
Richardson, Gideon D., 
Safford, Henry G.,. 
Wilcox, Augustus S., • 
Wilcox, Edwin C, 


Boston. 
Welles ley. 
Newton. 
Bridgewatcr. 
Springfield. 



CONNECTICUT GENERAL LIFE INSURANCE CO., Hartford, Conn. 



Bancroft, Charles A., 
Burke, Charles S., . 
Collins, Michael B., 



Winchendon. 
Boston. 
Turner's Falls. 



Field, Edwin G., . 
Laws, Alfred, 
Williams, Nathan H., 



Worcester. 

Brockton. 

Springfield. 



CONNECTICUT MUTUAL LIFE INSURANCE CO., Hartford, Conn. 


Aldwell, Thomas T., . 


Boston. 


Jillson, EmmaR., . 


Springfield. 


Butler, Chas. C , . 


Lowell. 


Kilburn, Daniel \V., 


Boston. 


Badger, Erastns B., 


Boston. 


Hill, C. G 


Milton. 


Bush, Almon A , . 


Wakefield. 


Kaulback, Geo. H., 


Greenfield. 


Chandler, Stephen B., . 


Cambridge. 


Lewis, J. R., & Son, 


Reading. 


Chaffee, Jos. C, 


Lee. 


Lincoln, Wm., & Co., . 


Warren. 


Clark, Ernest C, . 


Hoi yoke. 


Morris & Farrington, . 


Monson. 


Cook, Chas. L., 


Conway. 


Merrill, Albert H., . 


Peabody. 


Cook, Chas. B., 


Fall River. 


Norwood. John K., 


Lawrence. 


Crain, Ransom D., 


"Winchendon. 


Patrick, Joseph E., 


Chicopee. 


Dinsmore, Chas. M., 


Clinton. 


Parks, Wm., . 


South Boston. 


Danforth, Wm. S., 


Plymouth. 


Rav, Benj. P., 


Somerville. 


Dan forth, Samuel G., . 


Beverlv. 


Smith, E Warren, 


Chelsea. 


Eldred, W. J., 


Springfield. 


Stone, Edwin A., . 


Somerville. 


Fay, Sylvanus B., . 


Springfield. 


Williams, Geo. E., 


Boston. 


Fletcher, Wm. W., 


Webster. 


Welch, Wm. H., . 


Newbury port. 


Fogg, Julian A., . 


Salem. 


Wallis, Paul D., . 


Boston. 


Fowler, Frank, 


Boston. 


Walker, Oliver, 


Northampton. 


Gage, Warren B., . 


Worcester. 


Wellington, Harvey H., 


Adams. 


Hammond, John C, 


Taunton. 


Mclnnis, Duncan C, 


Pittsfield. 


Hibbard, Geo. A., . 


Boston. 







EMPLOYERS' LIABILITY ASSURANCE CO., London, England. 



Endicott & Macomber, 
Appleton, Samuel, 
Carleton, W. A., . 
Howland & Faunce, 
Tinker, Giles K., . 



Boston. 
Boston. 
Springfield. 
Abington. 
North Adams. 



Hayward, F. L., . 
Whittemore, Gelston, 
Kaulback, Geo. H., 
Parks, W. S., 
Goodrich, C. S., 



Boston. 

Boston. 

Greenfield. 

Boston. 

Lynn. 



338 



AGENTS AND SUB-AGENTS. [Dec. 31, 



EMPLOYERS' LIABILITY— Concluded. 



Namhs. 


Residence. 


Names. 


Residence. 


Kimball, Geo. H., . 


; Boston. 


Glover, Geo. E., . 


Boston. 


Moody, 0. E., 


Boston. 


Brooks, F. A., 


Boston. 


Boyer, Geo. S., 


1 Boston 


Spaulding, F. W., . 


Boston. 


Copeland, Chas. W., 


Brockton. 


Faunce, G. B., & Son, . 


Boston. 


Kimball, Jas. D., . 


ran ire. 


Perrv. W. A.. 


Boston. 


Rose. W. G., . 


Boston. 


Parmelee, W. G., . 


Boston. 


Wood, William, . 


Boston. 


James, A. S., . 


Boston. 


McKowen, E. F., . 


New Bedford. 


Elkins, F. M., 


Boston. 


Goddard, Frank H., . 


Worcester. 







EQUITABLE LIFE ASSURANCE SOCIETY, New York. 



Abecassis, Selm, . 


Boston. 


LeBel, Napoleon, . 


Taunton. 


Andrews, E. R., . 


Boston. 


Lake, J. H., . 


Boston. 


Ashley, Chas. S., . 


New Bedford. 


Langlois, Theo. E., 


Fall River. 


Bentley, Solon M., 


Holvoke. 


Merrill, Chas. B., . 


1 So. Framing'm. 


Bourke, Patrick, . 


I Springfield. 


M arter, F. B. K., . 


I Boston. 


Broun, B. F., 


Boston. 


McCleary, S. F., . 


Boston. 


Blanchard, W. E., 


Boston. 


Mudie, Robert, 


Boston. 


Bradford, J. E., . 


Worcester. 


Mellen & Leach, . 


Brockton. 


Burke, Thomas S., 


Marlborough. 


Newton, A. V., 


Worcester. 


Bean par land, H., . 


Fall River. 


Niver, Jas. B., 


Boston. 


BurreM, Thos. R., . 


Fall River. 


Nelson, Charles 0., 


Boston. 


Brown, Chas. H., . 


Fall River. 


Powers, Patrick H., 


Springfield. 


Cesana, Cesar, 


North Adams. 


Roche, Thos., 


Springfield. 


Collins, M. B., 


Turner's Falls. 


Smith, J. M., Jr., . 


Boston. 


Collins, J. B., 


Fall River. 


Stocking, Geo. L., . 


Boston. 


Carpenter, A. H. W., . 


New Bedford. 


Smith, A. D., 3d, & Son, 


Boston. 


Dame, Henry, 


Boston. 


Sullivan, D. V., 


Fall River. 


Dunham, E. A., 


Boston. 


Slate, Kendrick T., 


Turner's Falls. 


Edwards, J. H., . 


Boston. 


Smead, Charles W., 


Greenfield. 


Elliott. Geo. E., . 


Boston. 


Shepherd, Thos. S., 


Northampton. 


Fay, Charles, 


Worcester. 


Simons, H. R., 


Sprinsfield. 


Flint, Willis E., . 


Boston. 


St. Germaine, N., . 


Fitchburg. 


Gillard, Geo. E., . 


Boston. 


Tylee & Phelps, . 


Worcester. 


Gordon, Harry, 


Boston. 


Thaver, W T . D., . 


Boston. 


Haddock, Geo. R., 


Fall River. 


Wheeler, Jno. C, . 


Gt. Barrington. 


Hvde, T. II., . 


Boston. 


Wickwire, T. C, . 


Sheffield. 


Hatfield, John W., 


Boston. 


Wilson & Read, 


Pittsfield. 


Hemenway, A. J , . 


So. Framing'm. 


i Walsh, J. F., . 


Millburv. 


Kirk, Martin, 


Fall River. 


Wright, Jno. A., . 


Boston. 


Lyons, Henry S., . 


North Adams. 


Warren, Nathan, . 


Boston. 


Lebel, Peter, . 


Taunton. 







FIDELITY AND CASUALTY CO., New York. 



Ellison, Coolidge & Co., 


Boston. 


Pierce, C. H., 


Northampton. 


Holden, Charles W., 


Boston. 


Childs, A. P., 


Springfield. 


Chapin, w. S., 


Gardner. 


Wilson c*v Heed, 


Pittsfield. 


Bjiggs, E. IL, 


Haverhill. 


Tucker, C. D., 


Worcester. 


Page, w. H., . 


Bradford. 


j Stone, S. H., . 


Beverlv. 


Johnson, K. B., & Son, 


Holvoke. 


i Norcross, N. W., & Co., 


Lowell. 


Miller, Geo. P., . 


North Adams. 







GERMANIA LIFE INSURANCE CO., New Yokk. 



Newman, Paul, 
Levlson, Sigmund, 



Boston. 
Springfield. 



Facdcr, Benjamin, 
Schwab, Gustav, 



Worcester, 
Boston. 



L889.] 



AGENTS AND SUB-AGENTS. 

HOME LIFE INSURANCE CO., New York. 



339 



Namss. 


Residence. 


Names. 


Residence. 




Boston. 



LLOYDS PLATE-GLASS INSURANCE CO., New York. 


Ballard, E. 0., 


Marlborough. 


Lewis & Xewhall, . 


Lynn. 


Crowell, .John F., . 


Worcester. 


1 Miller, Geo. F., . 


North Adams. 


Currier, F. C, & Son, . 


Fitchbarg. 


1 Parker, F. S., 


Pittsfield. 


Cobnrn, Charles, . 


Lowell. 


Phillips. E. M., & Son,. 


Southhridge. 


Dunn & Dunn, 


Gardner. 


Robinson, R. B., . 


Westfield. 


Godding, Fred. L., 


Boston. 


Slade, John P., & Son, . 


Fall River. 


Green, william S., 


Fall River. 


Steele, George, & Son, . 


Gloucester. 


Grinnell,La\vrence,&Co., 


New Bedford. 


Spaulding, L. V., & Co., 


Haverhill. 


Hammond, J. C, . 


East Douglass. 


Walker, 0., . 


Northampton. 


Judd & Parsons, . 


Holvoke. 


Coolidge, A., . 


Athol. 


Jndd, F. A., . 


Springfield. 







MANHATTAN LIFE INSURANCE CO., New York. 


Crowell, Charles F., 


Boston. 


| McKeon, Roger, . 


No. Attleboro'. 


Crowell. Nathan, . 


Boston. 


King, James B., 


Springfield. 


Dorr, Ebon M., 


Needham. 


Nourse, Francis H., 


Winchester. 


Everett, Thos. M., 


Charlestown. 


Perkins, P. Willard, . 


Salem. 


Grcenleaf, Jas. E., 


Charlestown. 


Thorne, Stephen S., 


Lynn. 


March ant, Leander, 


Hyannis. 


Yorke, Edward L., 


Boston. 



METROPOLITAN PLATE-GLASS INSURANCE CO., New York. 



Anthonv, Arthur, . 


Fall River. 


1 
Johnson, R. B., & Son, . 


Holvoke. 


Black. R. W., 


West Gardner. 


Nutting, A. F., 


Northampton. 


Eldred, Edwin, & Co., . 


Worcester. 


Sherman, F. W., . 


Lowell. 


Goodell cSc Palfrev, 


Haverhill. 


Usher, L. B., . 


Lynn. 


Holvoke, C. F., . 


Marlborough. 


Whitnev, William G., . 


Boston. 


Ha Hock, C. H., . 


Springfield. 


York, Geo. A., 


New Bedford. 


Jackson, E. T., & Co., . 


Taunton. 







METROPOLITAN LIFE INSURANCE CO., New Y 


ORK. 


Aver, Earnest L., . 


Boston. 


Kelley, Dugal, 


Somerville. 


Buckler, H. Augustine, 


Maiden. 


Lyons, William B., 


South Boston. 


Bremner, William, 


Somerville. 


LaPlante, James, 


Worcester. 


Brown, Willard S., 


West Newton. 


McKenzie, Irvine K., . 


Boston. 


Bessev, Isa F., 


Roslindale. 


McLaren, Wm. F., 


Boston. 


Bartoll, John M., . 


Cambridge. 


Merrill, Geo A., . 


Boston. 


Benoit, Arthur E., 


Worcester. 


Moonev, John, 


South Boston. 


Buck lev, Jerry, 


North Adams. 


Murphv, Phil. J., . 


Worcester. 


Bancroft, Thomas, 


New Bedford. 


McKenny, James, . 


Fall River. 


Carroll, John P., . 


East Boston. 


O'Neill, John, 


Boston. 


Crocker, Walter $., 


Charlestown. 


Pingree, Robert A., 


Melrose Hds. 


Culbert, Frank J., . 


Boston. 


Rogers, Livingstone, 


Boston. 


Crowin, Tim. M., . 


Worcester. 


Richardson, Lewis, 


Boston. 


Dovle, John L., 


Quincy. 


Sullivan, Eugene, . 


Boston. 


Hiltz, James S , 


West Newton. 


Stevens, Beverlv, . 


Boston. 


Hall, Lawrence, 


Cambridge. 


Seeber, Howard M., 


Boston. 


Healev, Jesse, 


Worcester. 


St. Lawrence, John L., . 


Fall River. 


Jones, Thomas, 


Beachmont, 


Snape, Frank, 


Fall River. 




Revere. 


Tupper, Henrv C, 


Waltham. 


Johnston, Wm. E., 


Chelsea. 


Tobin, William, . 


New Bedford. 


Kindred, Augustus H., . 


Boston. 


Vose, Hiram, . 


Boston. 



340 



AGENTS AND SUB-AGENTS. [Dec. 31, 



METROPOLITAN LIFE — Continued. 



Names. 



Resilience. 



Wilson, Henry J., . 
Whittaker, Harry J., 
White, Felis J., . 
A.bbt, Andrew, 
Anderson, Will, 
Allen, CI. as. H., . 
Allen, Richard, 
Allen, George, 
Arden, Thomas H., 
Acker, John B., 
Allen, Fred'k B., . 
Aitken, William J., 
Allgrove, John J., . 
Barclay, Henry, 
Blatchford, William H 
Brown, Henry B., . 
Bevier, Anson F., . 
Bonner, James, 
Bell, Hartle, . 
Burton, James, 
Bailey, William M., 
Bennett, Irving, 
Bere, Geo. B., 
Brophy, James F., 
Bush, Ernest, 
Bushman, Alexander, 
Bowen, Geo. F., . 
Bradford, John J., 
Bradley, Dennis H., 
Breck, Edward B., 
Blackburn, George, 
Boyd, Daniel, 
Bunee, Joseph H., . 
Blacker, William, . 
Brady, Simon J., . 
Baumann, Fred., . 
Bangs. Gilbert V., . 
Brady, Augustine H., 
Blodgett, Geo. S., . 
Broadbent, George, 
Broadbent, John, . 
Birks, Fred., . 
Burgess, John, 
Burns, Bernard A., 
Bannaghan, John, . 
Banaghan, Michael, 
Bradley, Michael J., 
Bannaghan, William, 
Burke, Patrick J., . 
Bailey, Thomas, . 
Borden, Chas., 
Booth, Samuel W., 
Barlow, William, . 
Blake, John It., 
Barbour, Peter, 
Bishop, Michael J., 
Berry, William F., 
Brown, James L., . 
Baker, John H., 
Bnrdick, Eugene II., 
Clapp, Edward M., 
Cronelly, William, 
Callahan, Timothy J., 
Clark, Arthur B., . 
Curran, John, 



Cambridge. 

Boston. 

Worcester. 

South boston. 

Lynn. 

Newbury port. 

Worcester. 

Clinton. 

Fall River. 

Boston. 

Boston. 

Brighton. 

Attleborough. 

Boston. 

Gloucester. 

Swampscott. 

East Boston. 

Chelsea. 

Chelsea. 

Boston. 

Maiden. 

Maiden. 

Woburn. 

Somerville. 

Charlestown. 

North Boston. 

Charlestown. 

Charlestown. 

Lawrence. 

Haverhill. 

Waverley. 

Cambridgeport. 

Cambridgeport. 

Somerville. 

Springfield. 

Springfield. 

Chicopee. 

Ludlow. 

Westheld. 

Brockton. 

Brockton. 

Randolph. 

Quincy. 

Brockton. 

Worcester. 

Worcester. 

Southbridge. 

Worcester. 

Worcester. 

Fall River. 

Fall River. 

Fall River. 

Taunton. 

Holyoke. 

Lowell. 

Roxbury. 

Boston. 

Roxbury. 

Roxbury. 

Attleborough. 

Medford. 

Boston. 

North Boston. 

Roxbury. 

Lawrence. 



Names. 



Residence. 



Craven, James F., . 
Cain, Henry H., . 
Cummings, Frederick, 
Chellis, George, 
Campbell, James F., 
Chisnall, William, . 
Crombie, Alex. E., 
Coppen, William Q., 
Connor, John F., . 
Chudley, James, . 
CunliiFe, Ellis, 
Chantry, George, . 
Campbell, George, 
Cook, John S., 
Cunningham, James, 
Chartier, Louis, 
Casey, Daniel F., . 
Cox, John, 
Crowley, Jeremiah, 
Campbell, Sylvester, 
Canchon, Phenies, 
Corrigan, John, 
Colbert, William, 
Callaghan, Thomas 
Carpenter, John, 
Clarkson, William, 
Charbonnean, J. L. D., 
Coggeshall, F. H 
Callaghan, Thomas 
Connor, Frank J., 
Carr, Aim us Fred, 
Cornell, Irving E., 
Cole, William E., 
Clarke, Charles,' 
Carroll, Henry, 
Dolph, John, . 
Doulon, William H., 
Donahoe, Jeremiah J., 
Dupart, Isaie, 
Devaraux, John, 
Daley, James F., 
Donavan, Henry S 
Dowling, Daniel J. 
Doane, Alfred A , 
Dugan, James, 
Dolan, Terance, 
Dietrich, Eniel, 
Doyle, Matthew F 
Duclow, William J 
Duggan, John, 
Daly, John E., 
Donovan, Michael R., 
Doherty, John, 
Donahue, Timothy 
Daw, John, . 
Dolan, Michael F. 
Dooley, Patrick J, 
Dunn, John, . 
Donahue, Thomas 
Doyle, James, 
Dodge, Jesse F., 
Doville, Elzear, 
Doherty, .lames, 
Dronet, Charles. 
Dixon, James EL, 



Lawrence. 

Lawrence. 

Lawrence. 

Lawrence. 

Lawrence. 

Newburyport. 

Newburvport. 

Somerville. 

Bo-ton. 

Waverley. 

Springfield. 

Brockton. 

Brockton. 

Stonghton. 

Quincy. 

Worcester. 

Worcester. 

Fall River. 

Fall River 

Fall River. 

Fall River. 

New Bedford. 

New Bedford. 

Taunton. 

Taunton. 

Holyoke. 

Holyoke. 

Lowell. 

Lowell. 

Boston. 

Boston. 

Bosjon. * 

Boston. 

Boston. 

Mil ford. 

South Boston. 

South Boston. 

South Boston. 

Salem. 

Lynn. 

East Boston. 

Cambridge. 

North Boston. 

Charlestown. 

North Boston. 

Lawrence. 

Lawrence. 

Lawrence. 

Haverhill. 

Noith Adams. 

Cambridgeport. 

Springfield. 

Worcester. 

Worcester. 

Worcester. 

Marlborough. 

Clinton. 

Fall River. 

Fall River. 

New Bedford* 

Holyoke. 

Holyoke. 

Lowell. 

Somerville. 

Boston. 



L889.] 



AGENTS AND SUB-AGEXTS. 

METROPOLITAN LIFE — Continued. 



341 



X\' 


Residence. 


Names. 


Residence. 


Diels, Edward C. C, . 


Boston. 


Heath, Ezra G., . 


Chicopee. 


Brans, Frank H., . 


Maiden. 


Ilurlev, John F., . 


Millburv. 


Emptage, Alfred J., 


Sprincrtield. 


Hilbeft, William H., . 


Fall River. 


Esold, Emil R., . 


Holyoke. 


Heys. Joseph, 


Fall River. 


Eagan, Andrew, . 


Holyoke. 


Harobine, Benjamin, 


Holvoke. 


Fairclongh, Root. P., • 


South Boston. 


Hart, James E., 


Northampton. 


Foley, Michael J., 


South Boston. 


Howarth, Wm. R., 


Lowell. 


Forest, Charles A., 


Salem. 


1 Hussev, Joseph E., 


Boston. 


Fay. Thomas P., . 


Salem. 


Halstead, Geo. w., 


East Boston. 


Flynn, Edward, 


Pea body. 


Haves, Richard J., 


Boston. 


Ferris, Fred, a., . 


Charles town. 


Holman, James R., 


Boston. 


Farrell, William, . 


Lawrence. 


Bogg, Patrick J., . 


Roxbury. 


Fisher, Samuel, 


Lawrence. 


Hague, Daniel, 


Brighton. 


Foyer, John, . 


j Lawrence. 


Heath, Herbert E., 


Newton. 


Frank, Joseph, 


Pittsfield. 


Hazen, Charles Ed., 


Brighton. 


Finley, William W., 


Walt ham. 


Iskey, Lewis, . 


Chelsea. 


Flowers. John B., . 


Roxbury. 


Imhoff, Edward, . 


Fall River. 


Fleming, Edwin 8., 


Somervillc. 


Jones, Robert F., . 


Boston. 


Forrest, Martin C, 


Springfield. 


Jones, Arthur W., . 


East Boston. 


Foley, Patrick, 


Worcester. 


Jones. Francis . 


Beachmont. 


Foley, Daniel J., . 


Worcester. 


Jeffrey. Chas. E., . 


Lawrence. 


Ferns, Joseph, 


New Bedford. 


Jamrin. Geo. W., . 


Somerville. 


Fort in. Frank X , . 


Holyoke. 


Janse, John. . 


Roxbury. 


Fleming, .Tame- 


Lowell. 


Jnstheim, Chas. H., 


Roxbury. 


Ferry. Su inner 0., . 


Boston. 


Judge, John M., . 


Boston. 


Flynn, Charles B., 


Dorchester. 


Kershaw, Robert, . 


South Boston. 


Frenier. William, . 


Attleborough. 


Kirk, Geo. H., 


Cbarle-town. 


Gillis, Major A.. . 


Roxbury. 


Kinney, William P., 


Newburyport. 


Gray, Charles Win., 


Winthrop. 


Kershaw, James, . 


Haverhill. 


Gray, George Alfred, . 


Winthrop. 


Kelly, John E., 


Pittsfield. 


Gardner. Gerald II., 


Somerville. 


Keyes, Wm. L., 


Somerville. 


Gardner, Clarence J., . 


Maiden. 


Kel ley, John, . 


Worcester. 


Oibbs, John, . 


Lawrence. 


Kelly, Lawrence C, 


Clinton. 


Greene, John J., . 


Lawrence. 


Kelly, Michael J., . 


Clinton. 


Greaney, Michael, . 


Newburyport. 


Kershaw, James B., 


Fall River. 


Oaqnin, Michael J., 


Haverhill. 


Kelly, James J., . 


Holyoke. 


Grubb, Fre<Vk J., . 


Pittsfield. 


Kirk, Edgar A., 


Holyoke. 


Gooirins Wm. H., . 


Somerville. 


Kennedy, William, 


Lowell. 


Gentesse, Leonidas, 


Fitcbbur£. 


Koppehel, Emil H. L., . 


South Boston. 


Gannon, Patrick L., 


Fall River. 


Kavanagh, Thomas J., . 


Boston. 


Gillespie, Lawrence, 


Fall River. 


Lynch. Wm. F., . 


Salem. 


Ganoreau. Joseph, 


New Bedford. 


Langley, Edward P., . 


Salem. 


Gibbons, Stephen, . 


Holyoke. 


Levison, Moses Z., 


East Boston. 


Guay. Alphonso, . 


Holyoke. 


Lynch, Wm. H., . 


Haverhill. 


Garrity, Thomas H., . 


Holyoke. 


Lockwood, Alfred L., . 


Ware. 


Gardner, Samuel H., 


Boston. 


Lyon, Chas. H., . 


Worcester. 


Geklert, Clarence H., , 


! Hvde Park. 


Letright. Jas. F., . 


Webster. 


Garside, Thomas, . 


Millville. 


Lees, John, . 


Fall River. 


Hiir^ins, Wm. Fred'k, . 


South Boston. 


Leonard, Joseph, . 


Fall River. 


Hatrield, Clifford, . 


South Boston. 


Lee, Edward, 


New Bedford. 


Hatfield, Fenwick W., . 


South Boston. 


Lucas, Allen, . 


Boston. 


Hawkes, Thomas H., . 


South Boston. 


Levin, Jacob, . 


Boston. 


Hennessey, Patrick, 


Gloucester. 


Lytle, William, 


Boston. 


Hodcrkins, Arthur E., . 


Lynn. 


McAlevy, Henry, . 


South Boston. 


Halk Wm. B., 


Swampscott. 


Moxey, Frank, 


Salem. 


Hitchens, Edwin, . 


North Boston. 


Mclntyre, Peter, . 


Salem. 


Hill, Oscar P., 


North Boston. 


Mclnnis, Roderick H., . 


Lynn. 


Hill, David, . 


North Boston. 


Murphy, James, . 


Salem. 


Hall, William, 


North Boston. 


Murphy, John J., . 


Salem. 


Hamblin, Richard A., . 


Charlestown. 


Milne, William, 


Gloucester. 


Helliwell.John, 


Lawrence. 


Murphy, Richard J., 


Salem. 


Hennessev, Maurice, 


Newburyport. 


McCoy, Joseph H., 


Salem. 


Hill. Albert K., . 


Somerville. 


Mnrtagh, John J., . 


Lynn. 


Hoffman, Fred. L., 


Watertown. 


McDonnell, Wm. J., 


Lawrence. 


Howard, Thomas, . 


Palmer. 


Marsh, John W., . 


Somerville. 



342 



AGENTS AND SUB-AGENTS. [Dec. 31, 



METROPOLITAN LIFE — Continued. 






.Residence. 



Murray, Andrew A., 
McEachran, Jas. L., 
Maimer. Thos., 
Major, Edraond A., 

Mercer, Henry, 
Maiming, Frank, . 
Martin, Haskell C, 
Miller, Geo. R., . 
McDonongh, Hugh J., 
Malonev, Owen, 
McCarthy, John F., 
Moftitt, Patrick, 
Morton, Arthur H., 
McConville, Daniel, 
Mennier, Napoleon, 
McGeever, Thomas, 
McGowan, Edward, 
Martin, Joseph A., 
Miller, John L., 
McPherson, Jas. A., 
Mitchell, Robert H., 
Montgomery, Hugh G. 
Mcintosh, Neil, 
Mead, Chas. E., . 
McMahon, William, 
Noonan, Matthew J., 
Norman, Walter, . 
Newton, John H., . 
Nicholson, John, . 
Norton, Patrick, . 
Noble, Wm. C. P., 
O'Keefe, Wm. M., 
O'Connell, Thos. J., 
Oailvie, John, 
O'Callaghan, Chas. 0., 
O'Brien, John J., . 
O'Neill, Michael C, 
O'Brien, John M., . 
O'Brien, Thomas, . 
O'Brien, Timothy, 
O'Donahue, James, 
O'Brien, Dennis, . 
Patterson, Brenton C, 
Perkins, Patrick W., 
Post, Peter J., 
Power, Alex. P., . 
Port, John H., 
Perry, Aubrey G., 
Pickering, John F., 
Plummer, Fred A.. 
Phillips, Bernard C, 
Pollinger, Geo. B., 
Piggott, John H., . 
Perrault, George, . 
Poirier. Julian, 
Pen fold, John, 
Phillips, Joseph II., 
Penwarden, Brenton II 
Quinn, Thomas, . 
Roberts, Charles R , 
Ryan, .James p., . 
Rice, Daniel A., . 
Russell, George W., 
Riley, Michael, 
Ryan, John S., 



North Boston. 

Maiden. 

Lawrence. 

Pittsfiekl. 

Cambridgeport. 

Springfield. 

Springfield. 

Springfield. 

Springfield. 

Springfield. 

Brockton. 

Fall River. 

Taunton. 

Holyoke. 

Holyoke. 

Lowell. 

Lowell. 

Lowell. 

Lowell. 

Boston. 

Boston. 

Boston. 

Boston. 

Newton. 

Attleborough. 

Boston. 

Adams 

Taunton. 

Lowell. 

Boston. 

Boston. 

Lynn. 

Charlestown. 

Lawrence. 

Lawrence. 

New bury port. 

North Adams. 

Springfield. 

Fall River. 

Fall River. 

Lowell. 

Millville. 

South Boston. 

Salem. 

Brookline. 

East Boston. 

North Boston. 

Chelsea. 

Somerville. 

Somerville. 

Somerville. 

Worcester. 

Fall River. 

Taunton. 

Lowell. 

Lowell. 

Boston. 

Attleborough. 

Fall River. 

Winthrop. 

Salem. 

Salem. 

Lynn. 

Mast Boston. 

East Boston. 



Nam is. 



Residence. 



Rothblum, Samuel, 
Reeves, George E., 
Rinn, Michael, 
Regan, Dennis J., . 
Rosenthal, Lewis, . 
Riding, Alfred, 
Redfearn, Fred'k G., 
Rioux, Desire, 
Remillanl, Kdmond, 
Ripley, Fred'k E., . 
Rand", Geo. F., 
Rodeniser, Wm. E., 
Rooney, Michael J., 
Smith,* Newell C, . 
Smart, Alfred, 
Sullivan, Matthew, 
Sanders, Thomas, . 
Sampson, Thos. J., 
Shea, John, . 
Sweeney, John J., . 
Seney, Mitchell, 
Stark, Geo. F., 
Sanborn, Oliver, 
Stemler, Daniel C, 
Savage, Henry A., . 
Severance, Walter A., 
Sterry, Thos. L, . 
Shields, James, 
Sunderland, Wm., . 
Stowe, Frank M., . 
Sykes, John, . 
Sylvester, William, 
Sass, Frank C, 
Sass, Wm. H., 
Sweenev, James F., 
Southwick, Willett C, 
Shaw, Wm. T , . 
Saltus, Geo. H., 
Sullivan, John O., . 
Schofield, Richard, 
Schofield, Herbert, 
Stanstield, Thomas, 
Sykes, James, 
Shretaki, Hyman, . 
Smith, Perkins, 
Tracey, Eben S., . 
Thurston, Fred A., 
Torey, Arthur E., . 
Taylor, Anselm F., 
Travis, Wm. H., . 
Tripp, George F., . 
Trottier, Gideon, . 
Thibault, Thos. D., 
Townley, Richard, 
Teahan, John, 
Torkington, Arthur, 
Twombly, Samuel, 
Taylor, Wm. C, . 
Taylor, David, 
Thompson, Wm. R., 
Thomson, Andrew, 
Unsworth, Edwin,. 
Voyer, Louis, 
Verriest, John A., . 
Vyse, Thos. H., . 



East Boston. 

North Adams. 

Lawrence. 

Pittefield. 

Plymouth. 

Worcester. 

Fall River. 

Fall River. 

Holyoke. 

Boston. 

Boston. 

Chelsea. 

Mi I ford. 

South Boston. 

South Boston. 

South Boston. 

South Boston. 

South Boston. 

Lynn. 

Peabody. 

Lynn. 

East Boston. 

Everett. 

East Boston. 

E. Somerville. 

Charlestown. 

North Boston. 

North Boston. 

Lawrence. 

Haverhill. 

Waltham. 

Cambridgeport. 

Brockton. 

Quincy. 

Worcester. 

Millburv. 

Fall River. 

Fall River. 

New Bedford. 

New Bedford. 

New Bedford. 

Holyoke. 

Lowell. 

Boston. 

Dorchester. 

North Boston. 

Lawrence. 

Haverhill. 

Somerville. 

Worcester. 

Fall River. 

Fall River. 

Fall River. 

New Bedford. 

Holyoke. 

Lowell. 

Mattapan. 

Boston. 

Boston. 

Boston. 

Boston. 

Haverhill. 

Salem. 

Lawrence. 
Boston. 



L889.] 



AGENTS AND SUB-AGENTS, 



;;i:i 



MKTKOPOLITAN LIFE — Concluilrd. 



N LMBS. 


Residence. 


Names. 


Residence. 


Walton, Alfred, . 
Welch, Edmond A., 
Wallcott, Merritt I)., . 
Waldron, Tlips. J., 
Wild, John, 
Wood, John 11., 


South Boston. 
South Boston. 
North Boston. 
North Boston. 
Haverhill. 
Westfleld. 


Williams, E. 0., . 
Wilds, Louis W , . 

Wood, James, 
Warnock, Thomas, 
Yetten, Jasper H., . 


Worcester. 
Fall River. 
Boston. 
Blackstone. 
Waltham. 



MUTUAL LIKE ENSURANCE CO., New York. 



Hopkins, Charles A., . 


Brookline. 


McGregor, Alex., Jr., . 


Brookline. 


AppU ton, Zeno A., 


Elockport. 


McGregor, Geo. R. D., . 


Brookline. 


Baker, George M., 


Marsh field. 


McKim, John A., . 


Jamaica Plain. 


Bakn - . ( George, 


Marshfleld. 


McKowen, Edward F., . 


New Bedford. 


Bates, Henry A., . 


Whitman. 


Mendall, Lunas F., 


Plainville. 


Beebe, Robert 0., . 


Boston. 


Mnrphy, James, . 


Lawrence. 


Benn, James ('.. . 


Boston. 


Newell, Arthur H., 


Brookline. 


Bisset, Duncan J., . 


Boston. 


Newell, Charles A., 


Brookline. 


Bunton, A. M., 


Brockton. 


Newell, James S., . 


Brookline. 


Bunton, F. M., 


Brockton. 


Newell, W. Allston, 


Brookline. 


Bush, William M., 


i Concord. 


Palmer, George M., 


Waltham. 


Camp, E. C 


Springfield. 


Parker, Edgar T., . 


Linden. 


Chesebro, Frank A., 


Boston. 


Parmenter, Herbert W., 


Brockton. 


Claflin, Fred'k L.,. 


Marlborough. 


Pierce, William P., 


Brookline. 


Crocker, Wilbur C, 


Wakefield. 


Pratt, A. E , . 


Sandwich. 


Crossman, Henry S., 


Springfield. 


Rennie, Harry M., 


Boston. 


Crowell. Rnfus A., 


Harwich. 


Roberts, John H., . 


Chelsea. 


Curtis, Benjamin B., 


Campello. 


i Robinson, H. A., . 


Springfield. 


Dalton, J. Frank, . 


Salem. 


Rogers, Charles F., 


Newton. 


Davis, Edwin H., . 


Fall River. 


j Ruggles, Henry E., 


Franklin. 


Dixon, James M., . 


Lowell. 


Rust, Channing, . 


Boston. 


Dodge, Fred'k 0., . 


Fall River. 


Ryder, John C, . 


Boston. 


Dole", Daniel N., . 


Maiden. 


1 Seavey, Manson, . 


Boston. 


Donergan, John H., 


Brockton. 


Soule, George D., . 


Whitman. 


Dnrfee, John B., . 


Fall River. 


Sparrow, Harvey 0., 


Provincetown. 


Durfee, William A., 


Lynn. 


! Spaulding, George L., . 


Boston. 


Eldridge, Edmund G., . 


Cottage City. 


Tancred, Peter, 


Newtonville. 


Fletcher, Edwin, . 


Lawrence. 


Tarbell, Charles W., . 


E. Somerville. 


Ford. Hen rv, . 


I Boston. 


Turner, George C, 


Bradford. 


Foster, W. A., 


Boston. 


Vestal, Tilgkman R., . 


Fall River. 


Fowler, Edmund R., . 


Atlantic. 


Wallace, Daniel R., 


Lowell. 


Friend, Thaddeus E., . 


Boston. 


! Washburn, Nathan, 


Middleboro'. 


Gannett, Howard, . 


Wollaston H'ts. 


' Winn, John S., . 


Boston. 


Giles, Newell. 


Win thro p. 


Woodman, Webster, 


Woburn. 


Harriman, Mrs. Susan A. 


Boston. 


Wright, William L., . 


Springfield. 


Harriman, N. H., . 


Newton H'ds. 


Yetten, J. H., 


Waltham. 


Hathaway, Samuel E., . 


Boston. 


Bowker, Charles H., 


Worcester. 


Holmes, Francis H., 


Lexington. 


Clark, Howard S., 


West Warren, 


Holmes, Lewis, 


Bridgewater. 


Coe, S. Hamilton, . 


Worcester. 


Hood, William P., 


Somerset. 


Combs, Edgar J., . 


Pittsfield. 


Horton, Robert R., 


No. Eastham. 


Ferre, James F., . 


Springfield. 


Jackson, Dr. Eben, 


Somerville. 


Frost, Nicholas, . 


Lancaster. 


Keep, Fred'k E., . 


Brookline. 


Gilmore, William H.P., 


Turner's Falls. 


Kelley, Watson B., 


Harwichport. 


Hillerry, Martin C, 


West Gardner. 


King. Herbert A., . 


Billerica. 


Hobbs, George T., 


Uxbridge. 


Lagreze, Herman C, . 


Roslindale. 


Howland, E. Harris, . 


Spencer. 


Lincoln, Charles W., 


Holbrook. 


Hudson, Henry, . 


Mt. Hermon. 


Lunt, William F., . 


Newtonville. 


King, John G., 


Springfield. 


Mack, Francis E., . 


Somerville. 


Kirk, Edward A., . 


Holyoke. 


Manley, Francis E., 


Melrose. 


Lincoln, William E., 


Warren. 


May hew, David, . 


North Tisbury. 


McCloud, Henry M., . 


Amherst. 


McAndrew, John J., 


Lynn. 


Messenger, Charles H., . 


Hopedale. 


McCord, Rev. Archibald, 


Attleborough. 

1 


Miller, Fred'k M., . 


W. Brookfield. 



344 



AGENTS AND SUB-AGENTS. [Dec. 31, 

MUTUAL LIFE — Concluded. 



Names. 



Peckham, Elijah W., 
Rol)i!isoi), Robert B., 
Smith. Charles M., 
Smith, Henry >L, . 
Stevens, C. G., & Son, 
Sutton, George H., 



Residence. 



Springfield. 

Westfield. 

Springfield. 

Worcester. 

Clinton. 
Springfield 



Names. 



Residence. 



Ulrich, Fred. H., . 
Washburn, Salmon, 
Whipple, Franklin, 
Wolcott, C. Brooks, 
Wright, Nathan E., 



Springfield. 
Milroury. 

Worcester. 
Holyoke. 

Lynn. 



MUTUAL BENEFIT LIFE INSURANCE CO., Newark, N. J. 



Abbe, Clinton C, . 


Springfield. 


Jordan, William H. S., . 


Boston. 


Anderson, Jas. F., 


Boston. 


McFarland, James H., . 


Charlestown. 


Carroll, Lewis, 


Marblehead. 


Merrill, Frank M., . 


Lowell. 


Cowles, Orrin L., . 


Springfield. 


Parmenter, Charles 0., . 


Amherst. 


Cullington, Jolin, . 


Lynn. 


Parker, A. T., & Co., . 


No. Attleboro'. 


Dudley, Darwin E., 


Lowell. 


Thomas, Edward A., . 


Amherst. 


Emerson, Richard V. C, 


Newton. 


Tallman, Joseph R., 


Taunton. 


Silsbce & Geer, 


Lynn. 


Tufts, Frederick C, 


Brookline. 


Green, Alfred E., . 


Dnxbury. 


Woodbury, Joseph D., . 


Springfield. 


Hedges & Hodges, . 


Boston. 


Young, E. Woodbury, . 


Springfield. 


Horton, Sparrow, . 


Woburn. 







NATIONAL LIFE INSURANCE CO., Vermont. 



Phelps, James T., . 


Boston. 


Moore, A. P., 


Maiden. 


Brigham, M. B., 




Somerville. 


McLaughlin, John T., . 


Mil ford. 


Carpenter, H. H., 




Boston. 


Pike, J. F., . 


Worcester. 


Carleton, W. A., 




Springfield. 


Quimby, Thos. W. 




Haverhill. 


Dver, N. A., . 




Med ford. 


Rogers, S. W., 




Harwich. 


Ellis, E. S., . 




Yarmouthport. 


Rorabach, J. 0., 




Boston. 


Gilbert, E.T., 




Cambridgeport. 


Smith, D. L., . 




Boston. 


Hadley, A. W., 




New Bedford. 


Childs, S. A., 




Fitchburg. 


Jones, Robert M., 




Fitchburg. 


Merrill, E. S., 




Winchendon. 


Kingman, Martin, 




Brookline. 


Tucker, C. D., 




Worcester. 


Miller, F. M., 




W. Brookfield. 


Somes, J. Kirk, 




Springfield. 



NEW YORK LIFE INSURANCE CO., New York. 



Calef, Benj. S., 


Boston. 


Cook, Willis A., . 


So. Weymouth. 


Ball, Benj. A., 


Boston. 


Shaw, Wm. H., . 


Boston. 


Kingsley, Darwin P., . 


Brookline. 


Merchant, Leander, 


Boston. 


Morrill, Wm. F., . 


Med ford. 


Grant, Geo. S., 


Roxburv. 


Payson, Horace B., 


Boston. 


Newcomb, Chas. R , 


Haverhill. 


Warren, Geo.W., . 


Boston. 


Battles, Wendall P., 


Boston. 


Cook, Sheldon W., 


Lowell. 


Gruchy, W. R., . 


Boston. 


Gilbert, Ellery T., . 


Cambridge. 


Jaques, Alden P., . 


Haverhill. 


Stone, Joseph, 


Winchester. 


Glines, John A., 


Haverhill. 


Swift, Stephen, 


Brockton. 


Austin, James L , . 


Taunton. 


Bates, Wm. C, 


Newton 


Bougbton, Henry E , . 


Warren. 


Ball, Walter G., . 


Boston. 


Chaffee, Albert 11., 


Worcester. 


Howard, Chas. H., 


West borough. 


< irowell, Willis E., 


Hyannis. 


Kerrigan, Andrew P. J., 


Haverhill. 


Cook, Louis A., 


So. Wcvmouth. 


Ramsey, Jas. T., . 


Lowell. 


Claflin, Rupert F., . 


Quincv. 


Scott, .John B., 


Grafton. 


Wilmarth, Lemuel B., . 


Milford. 


Sullivan, W. Paine, 


Boston. 


Garrigan, Thos. J., 


No. Brookfield. 


LeBel, Napoleon, . 


Taunton. 


Campbell, Norman J., . 


Chelsea. 


Kingsley, Dariom P., . 


Brookline. 


King, John J., 


South Boston 


Barker, John M., . 


Worcester. 






Briggs, Hiram s., . 


Worcester. 







L889.] AGENTS AND SUB-AGENTS. 345 

NORTHWESTERN MUTUAL LIFE INSURANCE CO., Milwaukee. 



Nakks. 


Residence. 


Names. 


Residence. 


Bache & Smith, . 


Boston. 


Hall, C. W., . 


Boston. 


Crosby, Samuel T., 


Hingham. 


Whittier, Lyman B., 


Hingham. 


Dyer, Frank P., 


Hingham. 


Pendleton, W. B., . 


Haverhill. 


whiton, Lyman B., 


Bingham. 


Holden, C. S., 


Worcester. 


White, E. I 


Lynn. 


Lloyd, Thos. H., . 


Holyoke. 


Poison, Geo. E., 


Lynn. 


Smith, John, . 


New Bedford. 


Dean, Reuben, 


Lynn. 


Palmer, E. Burdett, 


Boston. 


Liechtenstein. C. B. L., . 


Boston. 


Sargent, it. A., 


Merrimac. 


Bache, Jainos T., . 


Boston. 


Field, Lucius, 


Clinton. 


Spitz, John IP, 


Boston. 


Atwood, W. I., 


Amesbury. 


Kellev, S. F... 


No. Cambridge. 


Priestly, George, . 


New Bedford. 


Parks, Charles £., . 


Somerville. 


Thornton, Alfred, . 


New Bedford. 


Kilgore, J. M., 


Lowell. 


them an, John, 


New Bedford. 


Rilgore, F. Henry, 


Lowell. 


Coleman, Charles D., . 


Brockton. 


Kilgore, Frank L., 


Lowell. 


Coleman, George W., . 


Brockton. 


Hill. William W., . 


Woburn. 


Mascotte, J. E., 


Fall River. 


Holden, Walter J., 


Worcester. 


Clark, Judson G., . 


Springfield. 


McClure, John E., 


Waltham. 


Mathison, Arthur, . 


Springfield. 


Holland, J. Douglass, . 


Byfield. 


Somers, J. Kirk, . 


Springfield. 


O'Brien, J. J., 


Aver. 


Coe, Nathan, . 


Springfield. 


Dpham, N.C., 


Fitcbburg. 


Qulnliran, Patrick J., . 


Springfield. 


Fobs, Granville E., Jr., . 


Methuen. 


Beebee, Albert G., . 


I Springfield. 


Morrill, F. F., 


Newbury port. 


Parle, John T., 


Springfield. 


Gale, George E., . 


Amesbury. 


Case, W. W 


Holyoke. 


Craine, II. D., 


Wincbendon. 


Burnham, H. B., . 


Holyoke. 


Peakes, Chas. E., . 


Somerville. 


Pierson, M. W., . 


Holvoke. 


O'Brien, John F., . 


Cambridge. 


Burke, Eulic, 


Pittsfield. 


Kellev. S I 


Cambridge. 


Sargent, Charles S., 


Lee. 


Spitz, John S., 


Boston. 


Tyler, E. D., . 


North Adams. 


Hyde, W. J., . 


Boston 







PENN MUTUAL LIFE INSURANCE CO., Philadelphia, Pa. 



Nicolaidge, Paul, . 


Boston. 


Woodbury, A. J., . 


Franklin. 


Plvmpton & Bunting, . 


Boston. 


Tyler, Thos. H., . 


Boston. 


Barnard Brothers, . 


Boston. 


French, George, 


North Adams. 


Plough, George M., 


Somerville. 


Holden, E. R., 


Boston. 


Estabrook, M. M., 


Boston. 


Hume, Charles, 


Boston. 


Carter, Frank F., . 


Boston. 


Knights, William W., . 


Milford. 


Oram, Robert H., . 


Boston. 


Knowlton, E. H., . 


Boston. 


Googins, William H., . 


Cambridge. 


Lovejoy, L. E., 


Waverly. 


Stockwell, F. A., . 


Boston. 


Murdock, Lucius A., 


Boston. 


Burke, Thomas S., 


Marlborough. 


Newton, Frank A., 


Boston. 


Burleigh, William, 


Boston. 


Plympton, H. F., . 


Boston. 


Cushman, F. M., . 


Amherst. 


Pomerov, De F., . 


Boston. 


Lombard, John B., 


S.Framingham. 


Train, H. A., . 


Weston. 



PROVFDEN'I 


1 LIFE AND TRUST CO., Philadelphia, Pa. 


Bailev & Shelton, . 


Worcester. 


Robinson, Frank L , 


Springfield. 


Cadiaux, Edward, 


Holyoke. 


Pope, Nathan A., . 


Pittsfield. 


Dunn, Julian P., . 


Gardner. 


Smith, Walter E., . 


Worcester. 


Fay, J. M., . 


Northampton. 


King, Sarah J., 


Boston. 


Evans, Geo. H., . 


Springfield. 


Parsons, Louis E., 


Holyoke. 


Gould, Hiram V., . 


Boston. 


Robinson, John G., 


Salem. 


Holway, David N., 


Boston. 


Smith, Wm. H., . 


S.Framingham. 


Handv, Mrs. Addie A., . 


Cataumet. 


Tozzer, Sam'l C, . 


Lynn. 


Karr, J. Edward, . 


West Gardner. 


Swanstrom, John E., . 


Worcester. 


Low, Joseph W., . 


Roxburv. 


Taber, Arthur H., . 


Boston. 


Kingman, Ezra, . 


Elmwood. 


Tierney, James, 


Fitchburg. 


Gallagher, Thos. F., . 


Fitchburg. 







346 AGENTS AND SUB-AGENTS. [Dec. 31, 

PROVIDENT SAVINGS LIFE ASSURANCE SOCIETY, New York. 



Nan: 


Kesidcnce. 


X \MES. 


Residence. 


Moshcr, Almona, . 
Cbapin, Charles M., 
Sweetser, Marshall P., . 
Hill, Charles F., . 
Fessenden, Charles P., . 
Smith, Thos. J., . 


Boston. 
Boston. 
Boston. 

Boston. 
Boston. 
Brockton. 


Heath, Julian 8. B., 
Sargent, Fred. W., 
Earl, Richard 11., . 
Farnuin, .Joseph W., 
1 Suck ley cS; Buckley, 
Dodson, Chas. F., . 


Boston. 

Brockton. 

Springfield. 

Marlborough. 

Boston. 

Boston. 



STANDARD LIFE AND ACCIDENT INSURANCE CO., Michigan. 



Bennett, D. W., 8c Co., . 


Boston. 


Anthonv, A., . 


Fall River. 


Ogim, G. L., . 




Boston. 


Thompson, W., & Son, . 


Lynn. 


Tallman, W. C, 






Boston. 


Dav, F. E., . 


Lynn. 


Fogg, G. 0., . 






Boston. 


O'Sullivan, J. T., . 


Lawrence. 


Eddy, P. E., . 






Boston. 


Steams Brothers, . 


Dedham. 


Dalton, J. F., 






Salem. 


Upham, N. C, 


Fitchburg. 


Adams, J. F., 






Haverhill. 


Lockey & Allison, . 


Fitchbnrg. 


Baker, H. N., 






Newton. 


Batchelder, C. A., . 


Aver. 


Brown, G. H., & Co., 




Quincy. 


Warriner, S. C, . 


Springfield. 


Millav, G. A., 




Taunton. 


Darling, H. E., . 


Boston. 



TRAVELERS' INSURANCE CO., Hartford. 



Shepard, E. S., 
Hunt, Geo. W., . 
Howard. Chas. W., 
Clark, Edwin H., . 
Hawley, Thos. H., 
Thorpe, Durrant, . 
Currier, F. C., & Son, 
Hooke, Daniel, 
Newhall, Israel A., 
Pratt, Frederick A., 
Church, W. H., & Co., 
Batchelder, E. A., . 
Wright, Ira B., . 
White, James G., . 
Jenks, It. M., 
Wheeler, Geo. F., . 
Fish, Nelson H., . 
Hamilton, Frank II., 
Cleveland, Henry M., Jr 
Clucas, II., Jr., 
Nepham, Thomas E., 
Holman, R. N., 
Albee, F. W-, 
Gilbert, E. T., 
Tozzer, S. C, . 
Adams, Edward F., 
Allen, Justus E., . 
Barnes, William, . 
Briggs, Am hew S., 
Bush, Horace W., . 
Brown, B. F., & Sons, 
Collins, T. C, 
Church, U. C, & Son, 
Chase, William E., 
Clark, William B , 
Collins, Michael B., 

Cornish, I. S., & Son, 

Dunn, Thatcher !>., 

Follansbee, il. L., . 



Greenfield. 

Concord. 

Maiden. 

Springfield. 

Boston. 

Boston. 

Fitchburg. 

Haverhill. 

Lynn. 

Westborough . 

Worcester. 

Springfield. 

Enfield. 

Boston. 

Boston. 

Boston. 

Boston. 

Boston. 

Boston. 

Cliftondale. 

Newton. 

Millbury. 

Waltham. 

Cambridgeport. 

Lynn. 

Haverhill. 

Worcester. 

Marlborough. 

Taunton. 

W. Brook field. 

Charlestown. 

Middleborongh. 

Lowell. 

New bury port. 

Dalton. 

Turner's Falls. 

New Bedford. 

Gardner. 

Gloucester. 



Farwell, It. E., & Son, . 
Fullerton, C. D., & Co., 
Fenner, Arthur, 
Freeston, William, 
Frost, Nicholas, 
Gilmore, Homer G., 
Gilmore, W. H. P., 
Hatch & Woodman, 
Hammond, John C, 
Hayden, Chas. L., 
Howard, Chas. H., 
Howland, E Han is, 
Hills, A. L., . 
Hyde, William L., 
Howland, William J., 
Johnson, Waldo, . 
Judd & Parsons, . 
Joslin, H. S., . 
Munson, Franklin H. B 
Lyon, William H., 
Brown, E F., 
Richardson, Arthur B. 
Holden, Chas. W., 
White, Jos. L., 
Palmer, L. H., 
Raymond, Walter, 
Richardson, Joshua W. 
Hartshorne & Cheney, 
Gray, Samuel, 
Colvin, Horace J., . 
Noyes, Frank W., . 
White, Emory A., . 
Eaves, William II., 
Fogg, Geo. ()., 
.Jordan, Oliver W., 
Peck, ('has F., Jr., 
Simmons, Albert J., 
Pearce, Waldo A., 
Bcnchley, Geo II., 



Natick. 

Brockton. 

Aver. 

Springfield. 

Lancaster. 

Springfield. 

Turner's Falls. 

Boston. 

Taunton. 

So. Deerrield. 

Webster. 

Spencer 

Palmer. 

Salem. 

Fall River. 

Webster. 

Holyoke. 

Oxford. 

Adams. 

Amesbury. 

Athol 

Ayer Junction. 

Boston. 

Boston. 

Boston. 

Boston. 

Boston. 

Boston. 

Boston. 

Boston. 

Boston. 

Boston. 

Boston. 

Boston. 

Boston. 

Boston. 

Boston. 

Boston. 

Boston. 



1889.] 



AGENTS AND SUB-AGENTS. 

TRAVELERS'— Concluded. 



347 



NfAMl -• 



Herrey, Merrill E., 
French, J. M., 
Flanders, J. A., 
Ogier, Gilbert L., . 

Dana. N. B., . 
Beal, Edw. F., 
Flanders, D. .J., 
Kendall, A. C, 
Donald, Jamee W., 

Austin, ('has. A., . 

Bartlett, T. Wyman, 

Pope, Frank W., . 
Bates, H. F., . 

White, Chas. F. H., 
Anderson, Samuel, 
Hersam, Alfredda R., 

Jones. L. F., . 
Flsk, Cbas. J.., 
Tapley, Arthur C, 

Ward, William W., 
Kimball, N. S., 
Kirby, Cbas. E., . 
Lyman, Herbert, . 
Lincoln, William E., 
Mercer, Edwin, 
Medcalf, William, . 
Mason, William II., 
Morris & Farrington, 
McClond, H. M., . 
Mitchell, D. L., . 
Norwood, John K., 
Phillips, Elisha M., 
Perse, Moses H., . 
Pratt, Ambrose E., 
Parker, A. T., & Co., 
Porter, Samuel, 
Robinson, R. B.. . 
Richardson, 0. P., Jr., 
Stevens, C. G., & Son, 
Stevenson, J. M., & Co 
Stratum, Daniel W., 
Spring, John F., 
Smith, Frank A., 
Shepard, E. S., 
Turner, John M., 
Turner, Geo. C, 



lJOSilli'lli'i'. 



Boston. 

Loston. 

Boston. 

Boston. 

Boston. 

Boston. 

Boston. 

Boston. 

Boston. 

Brockton. 

Chels 

Clinton. 

E. Weymouth. 

Fall River. 

Fitchbnrg. 

Gardner. 

G't Barrington. 

Greenfield. 

Haverhill. 

Holy ok e. 

Haverhill. 

Fitchbnrg. 

Westfield. 

Warren. 

Boston. 

Ware. 

Fall River. 

M on son. 

Amherst. 

Taunton. 

Lawrence. 

Southbridge. 

Lee. 

Sandwich. 

No. Attleboro'. 

Beverlv. 

Westfield. 

Attleborough. 

Clinton. 

Pittsfield. 

Hudson. 

Greenfield. 

No. Brookfield. 

Greenfield. 

Northampton. 

Bradford. 



Names. 



Townsend, Henry E., 
Underwood, Porter, 
Van Campen, H. S., 
Walker, Oliver, 
Wright, Frank II., 
Walden, Rnfus G., 
Wilson, Chas. F., . 
Wolcott, C. B., 
Wiekwirc, T. C, . 
Miller, Chas. K., . 
Cushing, H. II., . 
Nye, William L., . 
Prescott, Frcd'k D., 
Moore, Walter F.,. 
Caswell, Alden G., 
Davis, Albert A., . 
Boardman & Ingalls, 
Hannan, John H., . 
Brigham, Eugene 0., 
Mullane, James L., 
Perry, Francis C, . 
Hewins, Luther G., 
Hubbard, C. H., . 
Bodimon, Walter S., 
Stoddard, Jos. G., . 
Davis & Dyer, 
Foss, J. F., . 
Hayden, Chas. F., . 
Marden, Lewis W., 
Gunn, Frank L., . 
Severy, J. E., 
Boynton, Clarence F., 
Morse, Herbert 0., 
Hartwell, Miss H.L., 
Bryan, Edw. C, . 
Houghton, Irving B., 
Gay, John W., Jr., 
Lancaster, Geo. Y., 
Ruggles, Chas. M , 
Rawson, Oscar F., . 
Merrill, William F. C, 
Shephard, Howard C, 
Wilmar, Geo. C, . 
Powers, James D., . 
W T illiams, W. P., . 
Kirby, Fred. C, . 



Residence. 



Mil ford. 

Holyoke. 

New Bedford 

Northampton. 

G't Barrington. 

North Adams. 

Fitchburg. 

Holvoke. 

Sheffield. 

Lawrence. 

Lawrence. 

Lee. 

Leominster. 

Lowell. 

Lowell. 

Lynn. 

Lynn. 

Maiden. 

Marlborough. 

Milford. 

Natick. 

New Bedford. 

North Adams. 

Northampton. 

Orange. 

Plymouth. 

Magnolia. 

Plymouth. 

Salem. 

Springfield. 

Springfield. 

S.Framingham. 

Taunton. 

Waltham. 

Westfield. 

Williamstown. 

Winchendon. 

Worcester. 

Worcester. 

Worcester. 

Worcester. 

West Boylston. 

Whitinsville. 

ShelburneFalls. 

Boston. 

Fitchburg. 



UNION MUTUAL LIFE INSURANCE CO., Portland, Me. 



Burns, John S., 


East Taunton. 


Elliott, J. B., . 


Worcester. 


Currier, Israel L., . 


Worcester. 


Plummer, B., . 


Boston. 


Chase, James F., . 


Maiden. 


Culver, J. H., 


Boston. 


Craig, Steadman W., 


Springfield. 


Alexander, Henry J., . 


Springfield. 


Craig, Bertram J., . 


Springfield. 


Perkins, John M., . 


Boston. 


Desjardins, Geo. T., 


Fall River. 


Maintine, William F., . 


Plainville. 


Gendron, Joseph A., 


North Adams. 


Shattuck, Alonzo R., 


Boston. 


Griffin, Thomas, . 


\ Lawrence. 


Voodry, John A., . 


Boston. 


Gardner, Chas. W., 


Maiden. 


Wood, George F., . 


Boston. 


Marshall, Henrv H., 


Boston. 


Heffran, Michael, . 


Worcester. 


Bosquet, Euclide A., 


Worcester. 


Leonard, M. B., 


Taunton. 


Elliott, B 


Worcester. 







348 AGENTS AND SUB-AGENTS. [Dec. 31, '89, 

UNITED STATES LIFE INSURANCE CO., New York. 



Nam i E8. 


Residence. 


Names. 


Residence. 


Arnold, J. W., 


Northampton. 


Field, Geo. V., 


Springfield. 


Cadwell, A. L., 


Lowell. 


Longfellow, J. M., 


Boston. 


Allen, Haskell H., . 


Springfield. 


Pitman, Luther G., 


Boston. 


Curtis, Albert H., . 


Boston. 


Putnam, Henry W., 


Salem. 


Darling, Irving A., 


Turner's Falls. 


Sims, Andrew J., . 


Braintree. 


Foote, Oscar, . 


Boston. 


Sullivan, Timothy J., . 


West Gardner. 


Hamlin, Frank S., 


Haverhill. 


Shaw, William, 


Boston. 


Hunnewell, John L , 


Boston. 


Waite, L. Rosser, . 


Springfield. 


Howard, Harvey C, 


Springfield. 


i Trudean, A. P., 


Three Rivers. 



UNITED STATES GUARANTEE CO., New York. 



Gregerson, Geo. W., 



Boston. 



Arnold, Jonathan W., . 


Springfield. 


Gray, Chas. W., . 


Winthrop. 


Ball, Oriman S., . 


Mansfield. 


Hudson, Henry J. B., . 


Lynn. 


Berrv, Walter A., . 


Lowell. 


Miles, Chas. E., . 


Brookline. 


Bugbee, Asa, . 


South Boston. 


Palmer, Henry C, 


New Bedford. 


Burke, Eulick, 


Holyoke. 


Robichean, William J., . 


Winthrop. 


Carter, Chas. W., . 


Quincy. 


Rocliffe, William, . 


Fall River. 


Croft, William, . 


New Bedford. 


Slinn, John, . 


Fall River. 


Evans, William M., 


Somerville. 


Rae, George, . 


Boston. 



WASHINGTON LIFE INSURANCE CO., New York. 



Chamberlaine, Prescott, 


Chelsea. 


Gifford, Moses N., . 


Provincetown. 


Crowley, T. Hadwen, . 


Nantucket. 


Quiglev. Edward L., 


Boston. 


Collins, Chas. A., . 


Wellfleet. 


Salter, R. H., 


Boston. 


Dunham, Henry E., 


Chelsea. 


Sleeper, A. M., 


Springfield. 


Dunham, Frank E., 


Chelsea. 


Sproat, Alfred B , . 


Taunton. 


Fisher, Fred L., . 


Med way. 


Shepard, Frank P., 


Boston. 


Holden, Chas. W., 


Boston 


Southworth, Fred, . 


Brockton. 


Holden, John P., . 


Maiden. 


Randall, J. William, 


Somerville. 


Kendrick, Edmund P., 


Springfield. 


Veazie, Warren, . 


Dorchester. 


Kincaid, Albra W., 


Everett. 


Winn, John S., 


Boston. 


Lovett, Henry H., . 


Boston. 


Wheelwright, Mrs. M. N., 


Hyde Park. 


Mvrick, A. M., 


Nantucket. 


Young, William S., 


Chelsea. 


Haskins, J. R., 


Northampton. 







INDEX 



INDEX TO COMPANIES. 



[For Index to General Topics and Tablee, see Table of Contents prefacing the 
Comrniesioner's Report.] 



LIFE, ACCIDENT AND GUARANTEE COMPANIES. 



Pagk 



Accident Insurance Company of North America. [Withdrew Dec. 31, 1889.] 

.Etna Life, 37 

American Mutual Liability, 171 

American Steam Boiler 172 

American Surety Company, 175 

Berkshire Life, 3 

Connecticut General Life, 49 

Connecticut Mutual Life viii, 53 

Conveyancers' Title Insurance Company, 177 

Employers' Liability, 178 

Equitable Life, ■ . 58 

Fidelity and Casualty, 179 

Germania Life, vii, 64 

Guarantee Company of North America, 183 

Hartford Steam Boiler, 185 

Home Life 69 

John Hancock Mutual Life, vii, 7 

Lloyds Plate-Glass, 188 

Manhattan Life, 74 

Massachusetts Hospital Life, 13 

Massachusetts Mutual Life, 14 

Massachusetts Title Insurance Company 190 

Metropolitan Life, vii, 83 

Metropolitan Plate-Glass, 191 

Mutual Life, 87 

Mutual Benefit Life, ' 102 

Mutual Boiler, Boston, 193 



352 INDEX TO COMPANIES. 

Page 

National Lift 110 

Now England Mutual Life, 21 

New York Life, xii, 116 

Northwestern Mutual Life, 125 

Penn Mutual Life, 129 

Phoenix Mutual Life, x 

Provident Life and Trust, 135 

Provident Savings, 140 

Standard Life and Accident, 194 

State Mutual Life, 28 

Travelers' (Life Department) 143 

Travelers' (Accident Department), ' 196 

Union Mutual Life, 149 

United States Life, 156 

Vermont Life, 161 

Washington Life, 164 

ASSESSMENT LIFE AND CASUALTY INSURANCE COMPANIES. 

Bankers' Life Association (St. Paul), 215 

Bay State Beneficiary Association, 201 

Berkshire Health and Accident, 245 

Boston Fraternal Accident, xxviii 

Chelsea Reserve Fund Association, 246 

Covenant Mutual Benefit Association (Illinois) 217 

Equitable Mutual Relief Society, xxviii 

Fidelity Mutual Life Association, 219 

Fraternal Accident Association of Improved Order of Red Men. [In hands of receiver.] 

Hartford Life and Annuity Company, 221 

Home Benefit Association, 223 

Home Relief Association, 203 

Life and Casualty Assurance Association, 247 

Life and Reserve Association, 225 

Massachusetts Benefit Association, 205 

Massachusetts Masonic Mutual Relief Association, 207 

Massachusetts Mutual Accident Association, 248 

Massachusetts Mutual Aid Society 208 

Massachusetts Relief Association, xxviii 

Massachusetts Safety Fund Association, xxvii 

Massachusetts Standard Benefit Company, xxviii 

Mercantile Benefit Association of New York, 227 

Mercantile Mutual Accident Association 250 

Mutual Benefit Life Association (New York), 228 

Mutual Reserve Fund Life Association (New York), 231 

National Life and Maturity Association, xxix, 233 

New England Live Stock, 254 

New England Mutual Accident Association, 251 

New England Mutual Aid, xxix 

New England Belief Association, 201) 

Northwestern Masonic Aid Association, 235 

Ohio Valley Life Company, 237 

Pioneer Life and Casualty, 253 

Provident Aid Society, Portland, Me., 239 

Provident Mutual Association xxviii 



INDEX TO COMPANIES. 



353 



Provident Fraternity, 

Union Mutual Benefit Association, 

United states Mutual Accident Relief Company, 
Western Union Mutual Life Society of the United states, 



l'AGK 

xxviii 
211 

xxviii 
240 



FRATERNAL BENEFICIARY ASSOCIATIONS. 
Masonic. 
Boston Masonic Mmual Benefil Association, .... 
Eastern Massachusetts Masonic Mutual Relief Association, 
Essex Connty Masonic Mutual Relief Association, . 
Lawrence Masonic Mutual Relief Association, .... 
Masonic Mutual Relief Association of Central Massachusetts, . 
Masonic National Health ami Accident Association, . 
Masons' Fraternal Accident Association, 

Massachusetts Masonic Mutual Relief Association, . 

Northwestern Masonic Aid Association 

Right Ann Masonic Mutual Relief Association of Connty Of Barnstable, 
Southern Massachusetts Masonic Mutual Relief Association, . 
South Shore Mutual Masonic Association, .... 
Suffolk Masonic Mutual Relief Association, .... 
Union Masonic Mutual Relief Association, .... 
United States Masonic Accident Association 



290 
290 
290 
290 
290 
290 
275, 290 
207 
235 
290 
290 
290 
290 
290 
290 



Odd Felloics. 

Daughters Of Rebekah Mutual Benefit Association, 

New England Provident Association I. O. O. F., 

Odd Fellows' Beneficial Association of State of Massachusetts. [Consolidated 
with O. F. Protective Union.] 

Odd Fellows' Fraternal Accident Association, 

Odd Fellows' Mutual Benefit Association of Charlestown District, . 

Odd Fellows' Mutual Benefit Association of Chelsea, 

Odd Fellows' Mutual Benefit Association of Dorchester, . 

Odd Fellows' Mutual Benefit Association of Essex North, 

Odd Fellows' Mutual Benefit Association, Lowell, .... 

Odd Fellows' Mutual Benefit Association of Lynn 

Odd Fellows' Mutual Relief Association of Camhridge, . 
Odd Fellows' Mutual Relief Association of Connecticut River Valley, 
Odd Fellows' Mutual Relief Association of Worcester County, 
Odd Fellows' National Health and Accident Association, . 

Odd Fellows' Protective Union, 

Provincetown Odd Fellows' Mutual Benefit Association, . 



290 
291 



279, 291 
291 
291 
291 
291 
291 
290 
291 
291 
291 
291 
291 
291 



Other Secret. 
American Legion of Honor, .... 

American Order of Druids, 

American Order of Scottish Clans, 

Ancient Order of Hibernians, .... 

Ancient Order United Workmen, 

Bunker Hill Knights of Pythias, .... 

Chevaliers of Pythias, 

Equitable Aid Union, ...... 

Foresters — Court Cabot. [Failed to report.] 
Foresters — Court North Star. [Failed to report.] 
Golden Rule Alliance, 



265, 291 
291 
291 
291 

266, 291 
291 
292 

268, 292 



292 



Golden Cross, United Order of, 287, 293 



354 



INDEX TO COMPANIES. 



Good Fellows, Royal Society of, .... 

Home Circle, 

Independent Chevaliers and Ladies ot Industry, 

Independent Fraternal Union, 

Independent Order Sons of St. George, Grand Lodge, 
Knights and Ladies of Honor, 

Knights of Honor, 

Massachusetts Good Templars' Mutual Aid Association, 
Massachusetts United Benevolent Association, . 
Mystic Brothers, Independent Order of, . . * . 
New England Order of Industry, .... 
New England Order of Protection, .... 

Northern Legion, 

Northern Mutual Relief Association 

Pilgrim Fathers, 

Powhatan Benefit Association, 

Pythian Benevolent Association, . . 

Red Men's Fraternal Accident Association of America, 

Red Men's Mutual Relief Association of New England, 

Royal Arcanum, 

Royal Conclave Knights and Ladies, . 
Sons of St. George, Friendship Lodge, 
Sons of St. George, Merrimac Lodge, . 

United Fellowship, 

United Friends, 

United Order of Independent Odd Ladies, . 
United Pythian Brotherhood, .... 



Page 
285, 293 

269, 292 
292 
292 
292 

271,292 

273, 292 

•292 

292 

292 

292 

278, 292 
292 
292 

2SS, 293 
293 
293 
293 
293 

283, 293 
293 
293 
293 
293 

281 , 292 
293 
293 



MISCELLANEOUS. 

Bank Officers' Association of Boston, 

Beverly Firemen's Relief Association, .... 
Boston and Maine Railroad Relief Association, . 
Boston Firemen's Mutual Relief Association, . 

Boston Fraternity League, 

Boston Fruit and Produce Exchange, Beneficiary Association 
Boston Letter Carriers' Mutual Benefit Association, . 
Boston Police Relief Association. [No return made.] 
Boston Teachers' Mutual Benefit Association, 
Boylston Mutual Aid Society, 



of, 



[No 



Bristol County Mutual Aid Society. 
Cambridge Benevolent Association, . 
Cambridge Police Mutual Aid Association 
Canadian Union St. John Baptist, 
Chelsea Mutual Benefit Association, . 
Chelsea Police Relief Association, 
Clinton Firemen's Relief Association, . 
Columbian Mutual Benefit Association, 
Corporation St. Andre, 
Franklin Mutual Benefit Association,. 
G-lenmere Mutual Benefit Association, 
Heywood Acddenl Association, . 
Ice Men's Union, Boston Lodge, 
Lawrence Police Relief Association, . 

Lynn Mutual Benefit Association, 

Maiden Mutual Benefit Association, . 

Mechanics' Mutual Aid Society, . 



cturn made.] 



293 
293 
293 
293 
294 
293 
291 

294 

291 

294 
29 1 
294 
294 
291 
29 1 
29 1 
294 
294 
294 
294 
294 
294 
29.5 
296 
295 



IM)i;X TO COMPANIES. 



355 



Association, 



Methodist Ministers' Belief Association, 

Metropolitan Mutual Aid Association, 

Middlesex and Worcester Farmers' and Mechanics' 

Mil ford Mutual Relief Association, 

New England Commercial Travelers' Association, 

New England Railway Passenger Conductors' Benefit Associat 

Norwegian Society of September 1!), 18-53, . 

Old Colony Railroad Benevolent Association, . 

Peabody Mutual Benefit Association, . 

Plymouth Mutual Benefit Association, 

Rand Avery Supply Company Benefit Society, . 

Relief Association of Lynn Fire Department, . 

Relief Association of the Maiden Fire Department, 

Retail Clothing Salesmen's Benefit Society, 

Roxbury Penny Aid Society, . 

Sagamore Mutual Benefit Association, 

Salem Mutual Benefit Association, 

lete St. Joseph de Seconrs Mutuels de Boston, 
Somerrille Police Relief Association, . 
Sous of Veterans' Benefit Association, 
St. Lawrence Catholic Total Abstinence and Benefit Society, 
Sr. Mary's R. C. T. A. B. Literary Society, 
Theodore Winthrop B. A., Post 35, G. A. R., . 

Union des Ouvricrs, 

Warren Fraternal Benefit Association, •• 

Wenham Mutual Benefit Association. [Return too 

Winchester Firemen's Relief Association, . 

Winchester Mutual Benefit Association, 

Worcester Police Belief Association, . 

Young Men's Protestant Temperance and Benevolent Society, 



ate for rev. 



oil, 



ort.] 



Page 
295 

205 
•JO.-) 
295 
576, 295 
295 
295 
295 
295 
295 
295 
295 
295 
295 
295 
295 
295 
296 
296 
296 
296 
296 
296 
296 
296 

296 
296 
296 
296 



ASSESSMENT ENDOWMENT CORPORATIONS. 

American Protective League, 307 

Benevolent Union, 313 

Fraternal Associates of America, 308 

Industrial Benefit Order, 308 

Industrial Order of America, 309 

Knights and Ladies of Protection, 310 

National Benefit Union, 311 

Non-Secret Endowment Order, 311 

Order of /Egis, 312 

Order of the Fraternal Circle, 314 

Order of the Helping Hand, 314 

Order of the International Fraternal Alliance, 315 

Order of the Iron Hall, 316 

Order of the Solid Rock, 318 

Order of Tonti, 319 

Order of Unity, 321 

Order of the World, 322 

People's Five Years' Benefit Order, 323 

Royal Ark, xxxii 

Sons and Daughters of America, 324 

Uuion Endowment, 324 

United Endowment League, 326 

United Order of Equity, 327